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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 | $27,869 | $80,674-65.5% | $119,126-76.6% | $64,340-56.7% |
| Participation rate | 32.9% | 55.2%-22.3pp | 75.8%-42.8pp | 55.2%-22.3pp |
| Annual return | 20.14% | 26.86%-6.7pp | 282.11%-262.0pp | 24.14%-4.0pp |
| Employer contribution / active EE | $324 | $2,564-87.4% | $4,034-92.0% | $1,862-82.6% |
| Participant deferral / active EE | $1,747 | $3,053-42.8% | $5,318-67.1% | $2,980-41.4% |
| Admin fee / account holder | $2,304 | $4,559-49.5% | $10,693-78.4% | $3,703-37.8% |