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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 | $25,575 | $95,404-73.2% | $113,397-77.4% | $82,637-69.1% |
| Participation rate | 52.6% | 72.8%-20.3pp | 76.5%-23.9pp | 68.1%-15.5pp |
| Annual return | 16.42% | 19.08%-2.7pp | 23.20%-6.8pp | 53.51%-37.1pp |
| Employer contribution / active EE | $321 | $2,307-86.1% | $2,977-89.2% | $2,552-87.4% |
| Participant deferral / active EE | $3,178 | $4,220-24.7% | $5,076-37.4% | $4,126-23.0% |
| Admin fee / account holder | $832 | $9,168-90.9% | $11,957-93.0% | $7,339-88.7% |