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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 | $26,744 | $65,378-59.1% | $87,103-69.3% | $65,186-59.0% |
| Participation rate | 47.5% | 75.3%-27.8pp | 76.9%-29.3pp | 70.2%-22.7pp |
| Annual return | 20.12% | 31.28%-11.2pp | 28.19%-8.1pp | 29.39%-9.3pp |
| Employer contribution / active EE | $300 | $1,823-83.6% | $2,521-88.1% | $2,177-86.2% |
| Participant deferral / active EE | $2,268 | $3,389-33.1% | $4,049-44.0% | $3,514-35.4% |
| Admin fee / account holder | $476 | $520-8.4% | $7,491-93.6% | $847-43.8% |