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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 | $17,049 | $97,550-82.5% | $120,344-85.8% | $87,485-80.5% |
| Participation rate | 48.6% | 72.8%-24.3pp | 76.7%-28.1pp | 68.9%-20.4pp |
| Annual return | 33.45% | 18.41%+15.0pp | 20.30%+13.1pp | 26.06%+7.4pp |
| Employer contribution / active EE | $483 | $2,291-78.9% | $3,020-84.0% | $2,596-81.4% |
| Participant deferral / active EE | $2,940 | $4,230-30.5% | $5,135-42.7% | $4,274-31.2% |
| Admin fee / account holder | $1,083 | $9,543-88.6% | $12,742-91.5% | $7,775-86.1% |