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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 | $18,235 | $73,978-75.4% | $96,515-81.1% | $75,173-75.7% |
| Participation rate | 31.1% | 66.4%-35.3pp | 74.3%-43.2pp | 67.2%-36.1pp |
| Annual return | 15.21% | 26.72%-11.5pp | 35.73%-20.5pp | 160.72%-145.5pp |
| Employer contribution / active EE | $627 | $2,931-78.6% | $3,740-83.2% | $2,671-76.5% |
| Participant deferral / active EE | $2,083 | $3,660-43.1% | $4,880-57.3% | $4,126-49.5% |
| Admin fee / account holder | $2,411 | $5,219-53.8% | $6,735-64.2% | $5,651-57.3% |