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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 | $28,682 | $95,453-70.0% | $112,040-74.4% | $82,448-65.2% |
| Participation rate | 57.1% | 72.8%-15.6pp | 76.5%-19.3pp | 68.1%-10.9pp |
| Annual return | 17.11% | 23.92%-6.8pp | 24.52%-7.4pp | 41.64%-24.5pp |
| Employer contribution / active EE | $579 | $2,318-75.0% | $2,954-80.4% | $2,551-77.3% |
| Participant deferral / active EE | $3,482 | $4,224-17.6% | $5,098-31.7% | $4,139-15.9% |
| Admin fee / account holder | $950 | $9,013-89.5% | $12,098-92.1% | $7,234-86.9% |