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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 | $22,854 | $67,602-66.2% | $82,312-72.2% | $70,126-67.4% |
| Participation rate | 38.5% | 72.8%-34.3pp | 76.9%-38.4pp | 69.5%-31.1pp |
| Annual return | 13.12% | 21.57%-8.4pp | 25.88%-12.8pp | 73.15%-60.0pp |
| Employer contribution / active EE | $362 | $1,755-79.4% | $2,428-85.1% | $2,343-84.5% |
| Participant deferral / active EE | $1,580 | $2,987-47.1% | $3,706-57.4% | $3,332-52.6% |
| Admin fee / account holder | $4,315 | $4,512-4.3% | $5,608-23.0% | $4,645-7.1% |