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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 | $33,093 | $110,137-70.0% | $161,149-79.5% | $82,637-60.0% |
| Participation rate | 55.6% | 72.4%-16.8pp | 78.8%-23.3pp | 68.1%-12.5pp |
| Annual return | 13.02% | 20.69%-7.7pp | 21.16%-8.1pp | 53.51%-40.5pp |
| Employer contribution / active EE | $519 | $2,856-81.8% | $4,360-88.1% | $2,552-79.7% |
| Participant deferral / active EE | $5,598 | $4,575+22.4% | $6,153-9.0% | $4,126+35.7% |
| Admin fee / account holder | $1,151 | $9,467-87.8% | $15,194-92.4% | $7,339-84.3% |