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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 | $101,950-77.2% | $125,529-81.4% | $86,983-73.2% |
| Participation rate | 59.0% | 70.2%-11.2pp | 74.7%-15.7pp | 69.5%-10.6pp |
| Annual return | 15.00% | 18.29%-3.3pp | 202.56%-187.6pp | 25.83%-10.8pp |
| Employer contribution / active EE | $602 | $2,358-74.5% | $3,058-80.3% | $2,584-76.7% |
| Participant deferral / active EE | $2,016 | $3,862-47.8% | $4,813-58.1% | $4,194-51.9% |
| Admin fee / account holder | $3,256 | $12,791-74.5% | $16,298-80.0% | $7,856-58.6% |