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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 | $36,924 | $123,793-70.2% | $177,848-79.2% | $79,856-53.8% |
| Participation rate | 68.0% | 84.7%-16.7pp | 87.7%-19.7pp | 69.6%-1.6pp |
| Annual return | 19.23% | 22.82%-3.6pp | 48.33%-29.1pp | 31.71%-12.5pp |
| Employer contribution / active EE | $30 | $4,095-99.3% | $5,919-99.5% | $2,471-98.8% |
| Participant deferral / active EE | $3,176 | $5,956-46.7% | $7,714-58.8% | $3,741-15.1% |
| Admin fee / account holder | $1,534 | $7,243-78.8% | $12,431-87.7% | $5,306-71.1% |