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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 | $20,513 | $83,045-75.3% | $130,045-84.2% | $71,511-71.3% |
| Participation rate | 43.6% | 74.1%-30.6pp | 78.5%-34.9pp | 67.9%-24.4pp |
| Annual return | 16.16% | 20.61%-4.4pp | -137.30%+153.5pp | 28.86%-12.7pp |
| Employer contribution / active EE | $296 | $2,623-88.7% | $4,321-93.2% | $2,589-88.6% |
| Participant deferral / active EE | $2,208 | $4,436-50.2% | $5,820-62.1% | $4,291-48.5% |
| Admin fee / account holder | $2,075 | $1,727+20.2% | $10,600-80.4% | $1,588+30.6% |