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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 | $42,649 | $123,478-65.5% | $216,567-80.3% | $94,015-54.6% |
| Participation rate | 53.8% | 75.1%-21.3pp | 81.6%-27.8pp | 70.8%-17.0pp |
| Annual return | 13.44% | 23.61%-10.2pp | 12.94%+0.5pp | 17.84%-4.4pp |
| Employer contribution / active EE | $282 | $3,136-91.0% | $5,216-94.6% | $2,790-89.9% |
| Participant deferral / active EE | $2,592 | $4,556-43.1% | $6,191-58.1% | $4,249-39.0% |
| Admin fee / account holder | $1,646 | $12,753-87.1% | $21,981-92.5% | $8,951-81.6% |