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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 | $25,374 | $86,940-70.8% | $102,434-75.2% | $80,935-68.6% |
| Participation rate | 48.6% | 72.4%-23.7pp | 76.5%-27.9pp | 67.7%-19.0pp |
| Annual return | 11.81% | 18.89%-7.1pp | 29.46%-17.7pp | 35.66%-23.9pp |
| Employer contribution / active EE | $428 | $2,370-81.9% | $3,023-85.8% | $2,757-84.5% |
| Participant deferral / active EE | $3,098 | $4,121-24.8% | $5,055-38.7% | $4,299-27.9% |
| Admin fee / account holder | $687 | $8,047-91.5% | $9,462-92.7% | $6,924-90.1% |