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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,214 | $56,894-71.5% | $84,753-80.9% | $62,881-74.2% |
| Participation rate | 19.1% | 68.5%-49.4pp | 76.6%-57.4pp | 69.3%-50.2pp |
| Annual return | 21.98% | 6.30%+15.7pp | 22.78%-0.8pp | 20.14%+1.8pp |
| Employer contribution / active EE | $450 | $2,400-81.3% | $3,574-87.4% | $2,281-80.3% |
| Participant deferral / active EE | $1,472 | $2,709-45.7% | $3,712-60.3% | $3,203-54.0% |
| Admin fee / account holder | $1,777 | $3,581-50.4% | $5,333-66.7% | $4,296-58.6% |