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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 | $16,881 | $54,541-69.0% | $78,778-78.6% | $70,126-75.9% |
| Participation rate | 31.8% | 60.8%-29.0pp | 69.2%-37.4pp | 69.5%-37.7pp |
| Annual return | 21.76% | 21.07%+0.7pp | 35.62%-13.9pp | 73.15%-51.4pp |
| Employer contribution / active EE | $148 | $1,089-86.4% | $1,986-92.6% | $2,343-93.7% |
| Participant deferral / active EE | $1,216 | $2,210-45.0% | $2,958-58.9% | $3,332-63.5% |
| Admin fee / account holder | $354 | $3,709-90.5% | $5,134-93.1% | $4,645-92.4% |