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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 | $25,978 | $109,359-76.2% | $162,177-84.0% | $72,975-64.4% |
| Participation rate | 54.3% | 84.3%-30.0pp | 87.6%-33.3pp | 69.5%-15.2pp |
| Annual return | 24.64% | 25.46%-0.8pp | 115.60%-91.0pp | 81.01%-56.4pp |
| Employer contribution / active EE | $514 | $3,907-86.8% | $5,613-90.8% | $2,440-78.9% |
| Participant deferral / active EE | $2,571 | $5,481-53.1% | $7,297-64.8% | $3,608-28.7% |
| Admin fee / account holder | $740 | $7,972-90.7% | $10,843-93.2% | $5,124-85.6% |