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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 | $16,345 | $101,798-83.9% | $165,071-90.1% | $80,935-79.8% |
| Participation rate | 48.4% | 71.8%-23.4pp | 78.6%-30.2pp | 67.7%-19.3pp |
| Annual return | 12.40% | 16.73%-4.3pp | 70.17%-57.8pp | 35.66%-23.3pp |
| Employer contribution / active EE | $727 | $2,954-75.4% | $4,347-83.3% | $2,757-73.6% |
| Participant deferral / active EE | $2,048 | $4,476-54.2% | $6,035-66.1% | $4,299-52.4% |
| Admin fee / account holder | $1,543 | $8,221-81.2% | $12,695-87.8% | $6,924-77.7% |