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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 | $12,810 | $181,896-93.0% | $156,551-91.8% | $273,972-95.3% |
| Participation rate | 64.3% | 88.4%-24.1pp | 84.0%-19.7pp | 83.0%-18.7pp |
| Annual return | 6.92% | 30.74%-23.8pp | 32.23%-25.3pp | 41.46%-34.5pp |
| Employer contribution / active EE | $1,272 | $6,248-79.6% | $5,501-76.9% | $4,869-73.9% |
| Participant deferral / active EE | $2,060 | $5,550-62.9% | $4,871-57.7% | $5,287-61.0% |
| Admin fee / account holder | $391 | $15,560-97.5% | $13,028-97.0% | $10,133-96.1% |