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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 | $33,815 | $197,625-82.9% | $177,840-81.0% | $158,966-78.7% |
| Participation rate | 68.8% | 88.5%-19.8pp | 87.7%-19.0pp | 82.0%-13.2pp |
| Annual return | 15.52% | 58.76%-43.2pp | 48.32%-32.8pp | 302.95%-287.4pp |
| Employer contribution / active EE | $1,272 | $6,698-81.0% | $5,919-78.5% | $4,762-73.3% |
| Participant deferral / active EE | $4,453 | $8,405-47.0% | $7,714-42.3% | $5,983-25.6% |
| Admin fee / account holder | $1,728 | $15,405-88.8% | $12,431-86.1% | $11,250-84.6% |