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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 | $38,956 | $104,098-62.6% | $140,514-72.3% | $94,015-58.6% |
| Participation rate | 48.9% | 73.7%-24.8pp | 77.8%-28.9pp | 70.8%-21.9pp |
| Annual return | 13.47% | 15.14%-1.7pp | 14.36%-0.9pp | 17.84%-4.4pp |
| Employer contribution / active EE | $80 | $2,388-96.7% | $3,378-97.6% | $2,790-97.1% |
| Participant deferral / active EE | $2,129 | $4,033-47.2% | $4,919-56.7% | $4,249-49.9% |
| Admin fee / account holder | $3,741 | $10,439-64.2% | $13,697-72.7% | $8,951-58.2% |