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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 | $17,133 | $68,880-75.1% | $120,580-85.8% | $80,959-78.8% |
| Participation rate | 43.3% | 61.7%-18.4pp | 72.0%-28.7pp | 67.7%-24.4pp |
| Annual return | 12.38% | 23.68%-11.3pp | 107.48%-95.1pp | 35.67%-23.3pp |
| Employer contribution / active EE | $520 | $2,066-74.8% | $3,469-85.0% | $2,757-81.1% |
| Participant deferral / active EE | $1,713 | $3,191-46.3% | $4,995-65.7% | $4,300-60.2% |
| Admin fee / account holder | $1,432 | $5,785-75.3% | $9,418-84.8% | $6,925-79.3% |