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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 | $15,753 | $81,487-80.7% | $102,412-84.6% | $80,935-80.5% |
| Participation rate | 57.1% | 66.8%-9.7pp | 74.5%-17.4pp | 67.7%-10.5pp |
| Annual return | 12.39% | 25.60%-13.2pp | 24.94%-12.5pp | 35.66%-23.3pp |
| Employer contribution / active EE | $731 | $3,103-76.5% | $3,870-81.1% | $2,757-73.5% |
| Participant deferral / active EE | $1,973 | $3,871-49.0% | $5,060-61.0% | $4,299-54.1% |
| Admin fee / account holder | $1,459 | $6,717-78.3% | $8,388-82.6% | $6,924-78.9% |