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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 | $24,674 | $181,896-86.4% | $156,551-84.2% | $273,972-91.0% |
| Participation rate | 55.6% | 88.4%-32.8pp | 84.0%-28.5pp | 83.0%-27.5pp |
| Annual return | 6.90% | 30.74%-23.8pp | 32.23%-25.3pp | 41.46%-34.6pp |
| Employer contribution / active EE | $1,024 | $6,248-83.6% | $5,501-81.4% | $4,869-79.0% |
| Participant deferral / active EE | $3,628 | $5,550-34.6% | $4,871-25.5% | $5,287-31.4% |
| Admin fee / account holder | $627 | $15,560-96.0% | $13,028-95.2% | $10,133-93.8% |