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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 | $24,077 | $97,550-75.3% | $120,344-80.0% | $87,485-72.5% |
| Participation rate | 55.9% | 72.8%-16.9pp | 76.7%-20.8pp | 68.9%-13.0pp |
| Annual return | 12.70% | 18.41%-5.7pp | 20.30%-7.6pp | 26.06%-13.4pp |
| Employer contribution / active EE | $303 | $2,291-86.8% | $3,020-90.0% | $2,596-88.3% |
| Participant deferral / active EE | $1,993 | $4,230-52.9% | $5,135-61.2% | $4,274-53.4% |
| Admin fee / account holder | $1,936 | $9,543-79.7% | $12,742-84.8% | $7,775-75.1% |