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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 | $19,318 | $73,978-73.9% | $96,515-80.0% | $75,173-74.3% |
| Participation rate | 52.4% | 66.4%-14.0pp | 74.3%-22.0pp | 67.2%-14.8pp |
| Annual return | 13.68% | 26.72%-13.0pp | 35.73%-22.1pp | 160.72%-147.0pp |
| Employer contribution / active EE | $462 | $2,931-84.2% | $3,740-87.6% | $2,671-82.7% |
| Participant deferral / active EE | $2,945 | $3,660-19.5% | $4,880-39.7% | $4,126-28.6% |
| Admin fee / account holder | $1,728 | $5,219-66.9% | $6,735-74.3% | $5,651-69.4% |