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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 | $16,684 | $56,121-70.3% | $92,985-82.1% | $64,340-74.1% |
| Participation rate | 38.0% | 44.9%-6.9pp | 69.5%-31.5pp | 55.2%-17.2pp |
| Annual return | 13.29% | 19.19%-5.9pp | 27.99%-14.7pp | 24.14%-10.9pp |
| Employer contribution / active EE | $126 | $1,351-90.6% | $2,662-95.3% | $1,862-93.2% |
| Participant deferral / active EE | $1,353 | $2,362-42.7% | $4,377-69.1% | $2,980-54.6% |
| Admin fee / account holder | $503 | $6,869-92.7% | $9,463-94.7% | $3,703-86.4% |