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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 | $27,448 | $123,793-77.8% | $177,848-84.6% | $79,856-65.6% |
| Participation rate | 51.2% | 84.7%-33.5pp | 87.7%-36.6pp | 69.6%-18.5pp |
| Annual return | 15.49% | 22.82%-7.3pp | 48.33%-32.8pp | 31.71%-16.2pp |
| Employer contribution / active EE | $893 | $4,095-78.2% | $5,919-84.9% | $2,471-63.9% |
| Participant deferral / active EE | $2,829 | $5,956-52.5% | $7,714-63.3% | $3,741-24.4% |
| Admin fee / account holder | $1,319 | $7,243-81.8% | $12,431-89.4% | $5,306-75.1% |