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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 | $23,794 | $80,781-70.5% | $102,437-76.8% | $74,478-68.1% |
| Participation rate | 62.7% | 65.7%-3.0pp | 74.5%-11.8pp | 67.2%-4.5pp |
| Annual return | 13.31% | 27.58%-14.3pp | 24.95%-11.6pp | 1370.56%-1357.3pp |
| Employer contribution / active EE | $759 | $3,160-76.0% | $3,871-80.4% | $2,626-71.1% |
| Participant deferral / active EE | $2,291 | $3,862-40.7% | $5,060-54.7% | $4,350-47.3% |
| Admin fee / account holder | $764 | $2,372-67.8% | $8,388-90.9% | $1,946-60.7% |