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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 | $22,967 | $67,602-66.0% | $82,312-72.1% | $70,126-67.2% |
| Participation rate | 50.8% | 72.8%-22.0pp | 76.9%-26.1pp | 69.5%-18.7pp |
| Annual return | 26.73% | 21.57%+5.2pp | 25.88%+0.9pp | 73.15%-46.4pp |
| Employer contribution / active EE | $271 | $1,755-84.6% | $2,428-88.8% | $2,343-88.4% |
| Participant deferral / active EE | $2,703 | $2,987-9.5% | $3,706-27.1% | $3,332-18.9% |
| Admin fee / account holder | $1,723 | $4,512-61.8% | $5,608-69.3% | $4,645-62.9% |