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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 | $24,465 | $86,919-71.9% | $102,457-76.1% | $80,911-69.8% |
| Participation rate | 40.0% | 72.4%-32.4pp | 76.5%-36.5pp | 67.6%-27.6pp |
| Annual return | 12.02% | 18.90%-6.9pp | 29.41%-17.4pp | 35.63%-23.6pp |
| Employer contribution / active EE | $370 | $2,368-84.4% | $3,022-87.7% | $2,756-86.6% |
| Participant deferral / active EE | $1,883 | $4,119-54.3% | $5,054-62.8% | $4,297-56.2% |
| Admin fee / account holder | $904 | $8,049-88.8% | $9,451-90.4% | $6,935-87.0% |