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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 | $25,011 | $138,393-81.9% | $184,256-86.4% | $80,959-69.1% |
| Participation rate | 58.1% | 83.9%-25.8pp | 86.8%-28.8pp | 67.7%-9.6pp |
| Annual return | 12.48% | 20.01%-7.5pp | 28.85%-16.4pp | 35.67%-23.2pp |
| Employer contribution / active EE | $897 | $4,847-81.5% | $6,427-86.0% | $2,757-67.5% |
| Participant deferral / active EE | $3,211 | $7,076-54.6% | $9,133-64.8% | $4,300-25.3% |
| Admin fee / account holder | $1,144 | $10,489-89.1% | $13,899-91.8% | $6,925-83.5% |