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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 | $15,738 | $81,457-80.7% | $103,378-84.8% | $80,911-80.5% |
| Participation rate | 51.9% | 66.8%-15.0pp | 74.5%-22.7pp | 67.6%-15.8pp |
| Annual return | 13.19% | 25.58%-12.4pp | 24.91%-11.7pp | 35.63%-22.4pp |
| Employer contribution / active EE | $321 | $3,107-89.7% | $3,870-91.7% | $2,756-88.4% |
| Participant deferral / active EE | $1,643 | $3,871-57.6% | $5,058-67.5% | $4,297-61.8% |
| Admin fee / account holder | $4,051 | $6,717-39.7% | $8,401-51.8% | $6,935-41.6% |