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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 | $104,098-76.9% | $140,514-82.9% | $94,015-74.4% |
| Participation rate | 55.9% | 73.7%-17.8pp | 77.8%-21.9pp | 70.8%-14.9pp |
| Annual return | 12.70% | 15.14%-2.4pp | 14.36%-1.7pp | 17.84%-5.1pp |
| Employer contribution / active EE | $303 | $2,388-87.3% | $3,378-91.0% | $2,790-89.2% |
| Participant deferral / active EE | $1,993 | $4,033-50.6% | $4,919-59.5% | $4,249-53.1% |
| Admin fee / account holder | $1,936 | $10,439-81.5% | $13,697-85.9% | $8,951-78.4% |