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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 | $22,419 | $181,896-87.7% | $156,551-85.7% | $273,972-91.8% |
| Participation rate | 52.9% | 88.4%-35.4pp | 84.0%-31.1pp | 83.0%-30.1pp |
| Annual return | 15.61% | 30.74%-15.1pp | 32.23%-16.6pp | 41.46%-25.8pp |
| Employer contribution / active EE | $1,240 | $6,248-80.2% | $5,501-77.5% | $4,869-74.5% |
| Participant deferral / active EE | $1,921 | $5,550-65.4% | $4,871-60.6% | $5,287-63.7% |
| Admin fee / account holder | $2,038 | $15,560-86.9% | $13,028-84.4% | $10,133-79.9% |