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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 | $81,334-62.1% | $113,397-72.8% | $64,097-51.9% |
| Participation rate | 46.3% | 65.6%-19.3pp | 76.5%-30.2pp | 55.2%-8.8pp |
| Annual return | 18.08% | 32.50%-14.4pp | 23.20%-5.1pp | 34.64%-16.6pp |
| Employer contribution / active EE | $316 | $2,077-84.8% | $2,977-89.4% | $1,891-83.3% |
| Participant deferral / active EE | $2,631 | $3,795-30.7% | $5,076-48.2% | $3,080-14.6% |
| Admin fee / account holder | $4,025 | $4,208-4.3% | $11,957-66.3% | $3,454+16.5% |