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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 | $19,477 | $91,559-78.7% | $133,978-85.5% | $79,856-75.6% |
| Participation rate | 42.2% | 73.3%-31.1pp | 79.8%-37.6pp | 69.6%-27.4pp |
| Annual return | 18.78% | 61.85%-43.1pp | 45.10%-26.3pp | 31.71%-12.9pp |
| Employer contribution / active EE | $215 | $2,384-91.0% | $3,919-94.5% | $2,471-91.3% |
| Participant deferral / active EE | $1,979 | $3,734-47.0% | $5,047-60.8% | $3,741-47.1% |
| Admin fee / account holder | $1,167 | $6,321-81.5% | $8,930-86.9% | $5,306-78.0% |