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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 | $24,366 | $98,766-75.3% | $149,730-83.7% | $79,852-69.5% |
| Participation rate | 60.7% | 75.8%-15.1pp | 82.5%-21.8pp | 69.6%-8.9pp |
| Annual return | 22.91% | 27.43%-4.5pp | 276.70%-253.8pp | 31.72%-8.8pp |
| Employer contribution / active EE | $581 | $3,217-81.9% | $4,645-87.5% | $2,471-76.5% |
| Participant deferral / active EE | $4,344 | $5,681-23.5% | $6,843-36.5% | $3,740+16.1% |
| Admin fee / account holder | $4,851 | $6,052-19.8% | $9,310-47.9% | $5,306-8.6% |