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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 | $143,969-80.5% | $199,883-86.0% | $82,637-66.1% |
| Participation rate | 45.5% | 84.1%-38.7pp | 86.8%-41.3pp | 68.1%-22.6pp |
| Annual return | 27.07% | 25.67%+1.4pp | 43.81%-16.7pp | 53.51%-26.4pp |
| Employer contribution / active EE | $1,336 | $4,632-71.2% | $6,261-78.7% | $2,552-47.7% |
| Participant deferral / active EE | $3,932 | $6,937-43.3% | $9,138-57.0% | $4,126-4.7% |
| Admin fee / account holder | $3,708 | $14,597-74.6% | $17,268-78.5% | $7,339-49.5% |