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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 | $17,828 | $210,908-91.5% | $153,643-88.4% | $145,884-87.8% |
| Participation rate | 65.0% | 82.1%-17.1pp | 77.1%-12.1pp | 80.3%-15.3pp |
| Annual return | 14.14% | 13.46%+0.7pp | 15.71%-1.6pp | 551.85%-537.7pp |
| Employer contribution / active EE | $0 | $6,055-100.0% | $5,039-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $5,400 | $7,976-32.3% | $6,754-20.0% | $6,690-19.3% |
| Admin fee / account holder | $2,091 | $19,477-89.3% | $12,739-83.6% | $13,392-84.4% |