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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 | $24,627 | $78,707-68.7% | $117,861-79.1% | $70,126-64.9% |
| Participation rate | 47.1% | 73.2%-26.1pp | 79.7%-32.6pp | 69.5%-22.5pp |
| Annual return | 17.51% | 23.30%-5.8pp | 335.11%-317.6pp | 73.15%-55.6pp |
| Employer contribution / active EE | $476 | $2,223-78.6% | $3,786-87.4% | $2,343-79.7% |
| Participant deferral / active EE | $2,030 | $3,297-38.4% | $4,482-54.7% | $3,332-39.1% |
| Admin fee / account holder | $1,987 | $5,066-60.8% | $8,021-75.2% | $4,645-57.2% |