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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 | $21,855 | $91,439-76.1% | $135,974-83.9% | $71,511-69.4% |
| Participation rate | 33.1% | 75.7%-42.6pp | 81.9%-48.9pp | 67.9%-34.9pp |
| Annual return | 24.19% | 29.90%-5.7pp | 68.30%-44.1pp | 28.86%-4.7pp |
| Employer contribution / active EE | $399 | $3,705-89.2% | $4,859-91.8% | $2,589-84.6% |
| Participant deferral / active EE | $4,020 | $7,093-43.3% | $7,760-48.2% | $4,291-6.3% |
| Admin fee / account holder | $1,393 | $1,267+10.0% | $10,767-87.1% | $1,588-12.3% |