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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 | $29,474 | $146,267-79.8% | $197,124-85.0% | $82,448-64.3% |
| Participation rate | 58.6% | 84.0%-25.4pp | 86.7%-28.1pp | 68.1%-9.4pp |
| Annual return | 17.36% | 29.61%-12.3pp | 44.34%-27.0pp | 41.64%-24.3pp |
| Employer contribution / active EE | $1,440 | $4,723-69.5% | $6,227-76.9% | $2,551-43.5% |
| Participant deferral / active EE | $3,538 | $7,035-49.7% | $9,135-61.3% | $4,139-14.5% |
| Admin fee / account holder | $2,485 | $14,422-82.8% | $16,298-84.8% | $7,234-65.6% |