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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 | $16,284 | $181,896-91.0% | $156,551-89.6% | $273,972-94.1% |
| Participation rate | 54.5% | 88.4%-33.8pp | 84.0%-29.5pp | 83.0%-28.5pp |
| Annual return | 17.59% | 30.74%-13.2pp | 32.23%-14.6pp | 41.46%-23.9pp |
| Employer contribution / active EE | $999 | $6,248-84.0% | $5,501-81.8% | $4,869-79.5% |
| Participant deferral / active EE | $2,213 | $5,550-60.1% | $4,871-54.6% | $5,287-58.2% |
| Admin fee / account holder | $405 | $15,560-97.4% | $13,028-96.9% | $10,133-96.0% |