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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 | $29,355 | $96,289-69.5% | $213,469-86.2% | $87,485-66.4% |
| Participation rate | 58.3% | 69.6%-11.2pp | 77.1%-18.8pp | 68.9%-10.6pp |
| Annual return | 14.00% | 17.78%-3.8pp | 20.58%-6.6pp | 26.06%-12.1pp |
| Employer contribution / active EE | $550 | $3,035-81.9% | $4,994-89.0% | $2,596-78.8% |
| Participant deferral / active EE | $1,878 | $4,750-60.5% | $6,841-72.6% | $4,274-56.1% |
| Admin fee / account holder | $1,013 | $9,670-89.5% | $27,141-96.3% | $7,775-87.0% |