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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 | $22,295 | $60,349-63.1% | $74,184-69.9% | $62,881-64.5% |
| Participation rate | 53.4% | 72.7%-19.3pp | 76.6%-23.2pp | 69.3%-15.9pp |
| Annual return | 8.98% | 21.38%-12.4pp | 17.74%-8.8pp | 20.14%-11.2pp |
| Employer contribution / active EE | $118 | $1,680-93.0% | $2,370-95.0% | $2,281-94.8% |
| Participant deferral / active EE | $1,358 | $2,856-52.5% | $3,550-61.8% | $3,203-57.6% |
| Admin fee / account holder | $777 | $4,261-81.8% | $5,586-86.1% | $4,296-81.9% |