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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 | $26,600 | $110,483-75.9% | $145,433-81.7% | $79,634-66.6% |
| Participation rate | 43.5% | 71.1%-27.6pp | 82.1%-38.6pp | 62.5%-19.0pp |
| Annual return | 20.14% | 24.62%-4.5pp | 66.58%-46.4pp | 36.46%-16.3pp |
| Employer contribution / active EE | $480 | $4,053-88.2% | $4,554-89.5% | $2,529-81.0% |
| Participant deferral / active EE | $2,677 | $7,216-62.9% | $7,897-66.1% | $3,835-30.2% |
| Admin fee / account holder | $2,244 | $680+230.0% | $13,129-82.9% | $1,002+124.0% |