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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 | $21,681 | $95,453-77.3% | $112,040-80.6% | $82,448-73.7% |
| Participation rate | 48.4% | 72.8%-24.4pp | 76.5%-28.1pp | 68.1%-19.7pp |
| Annual return | 22.10% | 23.92%-1.8pp | 24.52%-2.4pp | 41.64%-19.5pp |
| Employer contribution / active EE | $355 | $2,318-84.7% | $2,954-88.0% | $2,551-86.1% |
| Participant deferral / active EE | $3,028 | $4,224-28.3% | $5,098-40.6% | $4,139-26.8% |
| Admin fee / account holder | $545 | $9,013-94.0% | $12,098-95.5% | $7,234-92.5% |