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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 | $13,800 | $75,058-81.6% | $152,301-90.9% | $64,340-78.6% |
| Participation rate | 22.6% | 60.9%-38.3pp | 82.4%-59.8pp | 55.2%-32.6pp |
| Annual return | 19.47% | 29.93%-10.5pp | 80.50%-61.0pp | 24.14%-4.7pp |
| Employer contribution / active EE | $201 | $2,605-92.3% | $4,624-95.7% | $1,862-89.2% |
| Participant deferral / active EE | $1,486 | $5,041-70.5% | $8,004-81.4% | $2,980-50.2% |
| Admin fee / account holder | $3,357 | $4,050-17.1% | $14,398-76.7% | $3,703-9.3% |