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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 | $19,591 | $67,602-71.0% | $82,312-76.2% | $70,126-72.1% |
| Participation rate | 65.5% | 72.8%-7.3pp | 76.9%-11.4pp | 69.5%-4.1pp |
| Annual return | 20.65% | 21.57%-0.9pp | 25.88%-5.2pp | 73.15%-52.5pp |
| Employer contribution / active EE | $335 | $1,755-80.9% | $2,428-86.2% | $2,343-85.7% |
| Participant deferral / active EE | $1,411 | $2,987-52.8% | $3,706-61.9% | $3,332-57.6% |
| Admin fee / account holder | $1,660 | $4,512-63.2% | $5,608-70.4% | $4,645-64.3% |