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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 | $23,287 | $97,648-76.2% | $121,663-80.9% | $87,485-73.4% |
| Participation rate | 59.0% | 70.5%-11.5pp | 74.5%-15.5pp | 68.9%-10.0pp |
| Annual return | 15.00% | 18.03%-3.0pp | 147.54%-132.5pp | 26.06%-11.1pp |
| Employer contribution / active EE | $602 | $2,300-73.8% | $3,020-80.1% | $2,596-76.8% |
| Participant deferral / active EE | $2,016 | $3,923-48.6% | $4,887-58.7% | $4,274-52.8% |
| Admin fee / account holder | $3,256 | $11,100-70.7% | $14,289-77.2% | $7,775-58.1% |