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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 | $21,278 | $86,949-75.5% | $102,460-79.2% | $80,959-73.7% |
| Participation rate | 55.6% | 72.4%-16.8pp | 76.5%-21.0pp | 67.7%-12.1pp |
| Annual return | 13.11% | 18.89%-5.8pp | 29.47%-16.4pp | 35.67%-22.6pp |
| Employer contribution / active EE | $689 | $2,370-70.9% | $3,025-77.2% | $2,757-75.0% |
| Participant deferral / active EE | $2,049 | $4,121-50.3% | $5,056-59.5% | $4,300-52.4% |
| Admin fee / account holder | $580 | $8,048-92.8% | $9,460-93.9% | $6,925-91.6% |