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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 | $45,789 | $146,215-68.7% | $100,712-54.5% | - |
| Participation rate | 34.3% | 58.8%-24.4pp | 69.3%-34.9pp | - |
| Annual return | 16.29% | 10.61%+5.7pp | 33.27%-17.0pp | - |
| Employer contribution / active EE | $0 | $865-100.0% | $2,313-100.0% | - |
| Participant deferral / active EE | $2,979 | $3,311-10.0% | $4,085-27.1% | - |
| Admin fee / account holder | $4,022 | $5,795-30.6% | $9,256-56.5% | - |