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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 | $21,044 | $110,137-80.9% | $161,149-86.9% | $82,637-74.5% |
| Participation rate | 56.7% | 72.4%-15.7pp | 78.8%-22.2pp | 68.1%-11.4pp |
| Annual return | 15.22% | 20.69%-5.5pp | 21.16%-5.9pp | 53.51%-38.3pp |
| Employer contribution / active EE | $709 | $2,856-75.2% | $4,360-83.7% | $2,552-72.2% |
| Participant deferral / active EE | $2,692 | $4,575-41.2% | $6,153-56.3% | $4,126-34.8% |
| Admin fee / account holder | $1,798 | $9,467-81.0% | $15,194-88.2% | $7,339-75.5% |