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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 | $30,538 | $138,393-77.9% | $184,256-83.4% | $80,959-62.3% |
| Participation rate | 63.6% | 83.9%-20.3pp | 86.8%-23.2pp | 67.7%-4.0pp |
| Annual return | 11.41% | 20.01%-8.6pp | 28.85%-17.4pp | 35.67%-24.3pp |
| Employer contribution / active EE | $662 | $4,847-86.3% | $6,427-89.7% | $2,757-76.0% |
| Participant deferral / active EE | $3,934 | $7,076-44.4% | $9,133-56.9% | $4,300-8.5% |
| Admin fee / account holder | $1,846 | $10,489-82.4% | $13,899-86.7% | $6,925-73.3% |