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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 | $20,255 | $76,696-73.6% | $96,515-79.0% | $71,511-71.7% |
| Participation rate | 54.7% | 66.6%-11.9pp | 74.3%-19.7pp | 67.9%-13.2pp |
| Annual return | 27.19% | 48.32%-21.1pp | 35.73%-8.5pp | 28.86%-1.7pp |
| Employer contribution / active EE | $613 | $3,032-79.8% | $3,740-83.6% | $2,589-76.3% |
| Participant deferral / active EE | $1,996 | $3,770-47.1% | $4,880-59.1% | $4,291-53.5% |
| Admin fee / account holder | $443 | $2,030-78.2% | $6,735-93.4% | $1,588-72.1% |