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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 | $17,543 | $181,896-90.4% | $156,551-88.8% | $273,972-93.6% |
| Participation rate | 41.7% | 88.4%-46.7pp | 84.0%-42.3pp | 83.0%-41.3pp |
| Annual return | 13.90% | 30.74%-16.8pp | 32.23%-18.3pp | 41.46%-27.6pp |
| Employer contribution / active EE | $871 | $6,248-86.1% | $5,501-84.2% | $4,869-82.1% |
| Participant deferral / active EE | $3,693 | $5,550-33.5% | $4,871-24.2% | $5,287-30.2% |
| Admin fee / account holder | $1,156 | $15,560-92.6% | $13,028-91.1% | $10,133-88.6% |