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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 | $30,838 | $79,867-61.4% | $120,344-74.4% | $64,340-52.1% |
| Participation rate | 46.3% | 63.0%-16.6pp | 76.7%-30.4pp | 55.2%-8.9pp |
| Annual return | 18.08% | 21.10%-3.0pp | 20.30%-2.2pp | 24.14%-6.1pp |
| Employer contribution / active EE | $316 | $1,925-83.6% | $3,020-89.5% | $1,862-83.0% |
| Participant deferral / active EE | $2,631 | $3,593-26.8% | $5,135-48.8% | $2,980-11.7% |
| Admin fee / account holder | $4,025 | $5,039-20.1% | $12,742-68.4% | $3,703+8.7% |