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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 | $19,592 | $101,795-80.8% | $165,100-88.1% | $80,959-75.8% |
| Participation rate | 64.7% | 71.8%-7.1pp | 78.6%-13.9pp | 67.7%-3.0pp |
| Annual return | 11.30% | 16.73%-5.4pp | 70.21%-58.9pp | 35.67%-24.4pp |
| Employer contribution / active EE | $756 | $2,954-74.4% | $4,348-82.6% | $2,757-72.6% |
| Participant deferral / active EE | $2,135 | $4,476-52.3% | $6,035-64.6% | $4,300-50.3% |
| Admin fee / account holder | $3,489 | $8,221-57.6% | $12,696-72.5% | $6,925-49.6% |