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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 | $24,406 | $86,938-71.9% | $102,423-76.2% | $80,925-69.8% |
| Participation rate | 57.6% | 72.4%-14.8pp | 76.5%-18.9pp | 67.7%-10.0pp |
| Annual return | 18.97% | 18.89%+0.1pp | 29.42%-10.5pp | 35.65%-16.7pp |
| Employer contribution / active EE | $682 | $2,369-71.2% | $3,023-77.4% | $2,756-75.3% |
| Participant deferral / active EE | $3,370 | $4,120-18.2% | $5,054-33.3% | $4,299-21.6% |
| Admin fee / account holder | $1,342 | $8,053-83.3% | $9,455-85.8% | $6,940-80.7% |