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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 | $23,242 | $101,778-77.2% | $164,975-85.9% | $80,925-71.3% |
| Participation rate | 36.1% | 71.8%-35.8pp | 78.6%-42.6pp | 67.7%-31.6pp |
| Annual return | 16.32% | 16.73%-0.4pp | 70.12%-53.8pp | 35.65%-19.3pp |
| Employer contribution / active EE | $583 | $2,954-80.3% | $4,343-86.6% | $2,756-78.8% |
| Participant deferral / active EE | $2,351 | $4,477-47.5% | $6,033-61.0% | $4,299-45.3% |
| Admin fee / account holder | $2,918 | $8,221-64.5% | $12,688-77.0% | $6,940-58.0% |