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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 | $16,559 | $72,027-77.0% | $185,835-91.1% | $79,852-79.3% |
| Participation rate | 43.4% | 65.8%-22.4pp | 78.0%-34.6pp | 69.6%-26.2pp |
| Annual return | 13.37% | 23.13%-9.8pp | 35.96%-22.6pp | 31.72%-18.4pp |
| Employer contribution / active EE | $225 | $1,965-88.6% | $4,087-94.5% | $2,471-90.9% |
| Participant deferral / active EE | $1,960 | $3,780-48.1% | $5,633-65.2% | $3,740-47.6% |
| Admin fee / account holder | $1,288 | $4,513-71.5% | $9,502-86.4% | $5,306-75.7% |