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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 | $21,681 | $97,550-77.8% | $120,344-82.0% | $87,485-75.2% |
| Participation rate | 48.4% | 72.8%-24.4pp | 76.7%-28.3pp | 68.9%-20.5pp |
| Annual return | 22.10% | 18.41%+3.7pp | 20.30%+1.8pp | 26.06%-4.0pp |
| Employer contribution / active EE | $355 | $2,291-84.5% | $3,020-88.2% | $2,596-86.3% |
| Participant deferral / active EE | $3,028 | $4,230-28.4% | $5,135-41.0% | $4,274-29.1% |
| Admin fee / account holder | $545 | $9,543-94.3% | $12,742-95.7% | $7,775-93.0% |