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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 | $22,616 | $89,259-74.7% | $107,187-78.9% | $82,637-72.6% |
| Participation rate | 45.9% | 67.9%-22.0pp | 75.0%-29.1pp | 68.1%-22.2pp |
| Annual return | 13.32% | 21.02%-7.7pp | 204.55%-191.2pp | 53.51%-40.2pp |
| Employer contribution / active EE | $768 | $3,080-75.1% | $3,782-79.7% | $2,552-69.9% |
| Participant deferral / active EE | $2,049 | $4,037-49.2% | $5,096-59.8% | $4,126-50.3% |
| Admin fee / account holder | $1,362 | $7,381-81.6% | $9,162-85.1% | $7,339-81.4% |