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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 | $13,090 | $73,955-82.3% | $96,520-86.4% | $75,181-82.6% |
| Participation rate | 21.7% | 66.4%-44.7pp | 74.3%-52.6pp | 67.2%-45.5pp |
| Annual return | 25.55% | 26.72%-1.2pp | 35.72%-10.2pp | 160.69%-135.1pp |
| Employer contribution / active EE | $577 | $2,930-80.3% | $3,739-84.6% | $2,671-78.4% |
| Participant deferral / active EE | $1,465 | $3,659-60.0% | $4,879-70.0% | $4,126-64.5% |
| Admin fee / account holder | $2,019 | $5,217-61.3% | $6,733-70.0% | $5,650-64.3% |