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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 | $13,913 | $81,487-82.9% | $102,412-86.4% | $80,935-82.8% |
| Participation rate | 54.7% | 66.8%-12.1pp | 74.5%-19.8pp | 67.7%-12.9pp |
| Annual return | 19.73% | 25.60%-5.9pp | 24.94%-5.2pp | 35.66%-15.9pp |
| Employer contribution / active EE | $649 | $3,103-79.1% | $3,870-83.2% | $2,757-76.5% |
| Participant deferral / active EE | $3,739 | $3,871-3.4% | $5,060-26.1% | $4,299-13.0% |
| Admin fee / account holder | $4,084 | $6,717-39.2% | $8,388-51.3% | $6,924-41.0% |