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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 | $31,407 | $123,793-74.6% | $177,827-82.3% | $79,858-60.7% |
| Participation rate | 41.2% | 84.7%-43.5pp | 87.7%-46.5pp | 69.6%-28.5pp |
| Annual return | 21.45% | 22.82%-1.4pp | 48.32%-26.9pp | 31.72%-10.3pp |
| Employer contribution / active EE | $1,229 | $4,095-70.0% | $5,918-79.2% | $2,471-50.3% |
| Participant deferral / active EE | $2,826 | $5,956-52.6% | $7,713-63.4% | $3,740-24.4% |
| Admin fee / account holder | $1,682 | $7,243-76.8% | $12,429-86.5% | $5,306-68.3% |