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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 | $28,034 | $146,267-80.8% | $197,124-85.8% | $82,448-66.0% |
| Participation rate | 45.5% | 84.0%-38.6pp | 86.7%-41.3pp | 68.1%-22.6pp |
| Annual return | 27.07% | 29.61%-2.5pp | 44.34%-17.3pp | 41.64%-14.6pp |
| Employer contribution / active EE | $1,336 | $4,723-71.7% | $6,227-78.6% | $2,551-47.6% |
| Participant deferral / active EE | $3,932 | $7,035-44.1% | $9,135-57.0% | $4,139-5.0% |
| Admin fee / account holder | $3,708 | $14,422-74.3% | $16,298-77.2% | $7,234-48.7% |