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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 | $17,153 | $56,438-69.6% | $76,872-77.7% | $71,511-76.0% |
| Participation rate | 38.1% | 64.3%-26.3pp | 69.6%-31.5pp | 67.9%-29.9pp |
| Annual return | 21.55% | 19.05%+2.5pp | 37.90%-16.4pp | 28.86%-7.3pp |
| Employer contribution / active EE | $430 | $1,864-76.9% | $2,533-83.0% | $2,589-83.4% |
| Participant deferral / active EE | $1,414 | $3,136-54.9% | $3,832-63.1% | $4,291-67.0% |
| Admin fee / account holder | $1,341 | $1,430-6.3% | $5,476-75.5% | $1,588-15.6% |