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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 | $27,074 | $123,793-78.1% | $177,827-84.8% | $79,858-66.1% |
| Participation rate | 67.5% | 84.7%-17.1pp | 87.7%-20.2pp | 69.6%-2.1pp |
| Annual return | 19.31% | 22.82%-3.5pp | 48.32%-29.0pp | 31.72%-12.4pp |
| Employer contribution / active EE | $387 | $4,095-90.5% | $5,918-93.5% | $2,471-84.3% |
| Participant deferral / active EE | $3,715 | $5,956-37.6% | $7,713-51.8% | $3,740-0.7% |
| Admin fee / account holder | $1,287 | $7,243-82.2% | $12,429-89.6% | $5,306-75.7% |