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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 | $25,215 | $69,977-64.0% | $108,582-76.8% | $62,881-59.9% |
| Participation rate | 51.9% | 72.9%-20.9pp | 79.6%-27.6pp | 69.3%-17.4pp |
| Annual return | 7.75% | 10.73%-3.0pp | -51.70%+59.5pp | 20.14%-12.4pp |
| Employer contribution / active EE | $116 | $2,135-94.6% | $3,758-96.9% | $2,281-94.9% |
| Participant deferral / active EE | $1,951 | $3,165-38.4% | $4,311-54.8% | $3,203-39.1% |
| Admin fee / account holder | $1,284 | $5,076-74.7% | $7,645-83.2% | $4,296-70.1% |