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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 | $21,516 | $113,941-81.1% | $94,229-77.2% | $125,389-82.8% |
| Participation rate | 61.9% | 82.9%-21.0pp | 78.8%-16.9pp | 83.2%-21.3pp |
| Annual return | 0.78% | 5.29%-4.5pp | 10.68%-9.9pp | 282.24%-281.5pp |
| Employer contribution / active EE | $656 | $4,727-86.1% | $3,587-81.7% | $4,866-86.5% |
| Participant deferral / active EE | $4,862 | $5,179-6.1% | $4,320+12.5% | $5,352-9.2% |
| Admin fee / account holder | $587 | $8,392-93.0% | $6,269-90.6% | $9,541-93.8% |