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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 | $24,946 | $67,411-63.0% | $91,004-72.6% | $70,126-64.4% |
| Participation rate | 60.4% | 71.4%-10.9pp | 75.6%-15.2pp | 69.5%-9.1pp |
| Annual return | 15.97% | -40.16%+56.1pp | 4.60%+11.4pp | 73.15%-57.2pp |
| Employer contribution / active EE | $306 | $1,786-82.9% | $2,456-87.6% | $2,343-86.9% |
| Participant deferral / active EE | $1,529 | $2,823-45.8% | $3,548-56.9% | $3,332-54.1% |
| Admin fee / account holder | $1,019 | $4,236-75.9% | $5,417-81.2% | $4,645-78.1% |