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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 | $22,420 | $67,606-66.8% | $82,313-72.8% | $70,124-68.0% |
| Participation rate | 42.3% | 72.8%-30.5pp | 76.9%-34.6pp | 69.5%-27.2pp |
| Annual return | 13.32% | 21.57%-8.3pp | 25.88%-12.6pp | 73.14%-59.8pp |
| Employer contribution / active EE | $255 | $1,755-85.5% | $2,428-89.5% | $2,342-89.1% |
| Participant deferral / active EE | $1,431 | $2,987-52.1% | $3,706-61.4% | $3,332-57.1% |
| Admin fee / account holder | $3,548 | $4,512-21.4% | $5,608-36.7% | $4,645-23.6% |