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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 | $19,963 | $72,273-72.4% | $101,275-80.3% | $79,856-75.0% |
| Participation rate | 44.4% | 68.5%-24.0pp | 75.8%-31.4pp | 69.6%-25.2pp |
| Annual return | 20.41% | 22.30%-1.9pp | 46.48%-26.1pp | 31.71%-11.3pp |
| Employer contribution / active EE | $401 | $2,691-85.1% | $3,660-89.0% | $2,471-83.8% |
| Participant deferral / active EE | $1,639 | $3,282-50.1% | $4,371-62.5% | $3,741-56.2% |
| Admin fee / account holder | $326 | $4,401-92.6% | $5,948-94.5% | $5,306-93.9% |