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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 | $24,562 | $138,386-82.3% | $184,260-86.7% | $80,935-69.7% |
| Participation rate | 45.8% | 83.9%-38.1pp | 86.8%-41.0pp | 67.7%-21.9pp |
| Annual return | 15.52% | 20.02%-4.5pp | 28.84%-13.3pp | 35.66%-20.1pp |
| Employer contribution / active EE | $1,235 | $4,851-74.5% | $6,427-80.8% | $2,757-55.2% |
| Participant deferral / active EE | $3,191 | $7,076-54.9% | $9,133-65.1% | $4,299-25.8% |
| Admin fee / account holder | $5,662 | $10,489-46.0% | $13,898-59.3% | $6,924-18.2% |