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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 | $26,665 | $105,284-74.7% | $150,734-82.3% | $94,015-71.6% |
| Participation rate | 50.7% | 71.7%-21.0pp | 78.4%-27.7pp | 70.8%-20.1pp |
| Annual return | 13.84% | 15.67%-1.8pp | 600.81%-587.0pp | 17.84%-4.0pp |
| Employer contribution / active EE | $514 | $3,599-85.7% | $4,918-89.6% | $2,790-81.6% |
| Participant deferral / active EE | $3,263 | $4,274-23.6% | $5,610-41.8% | $4,249-23.2% |
| Admin fee / account holder | $4,227 | $9,839-57.0% | $14,905-71.6% | $8,951-52.8% |