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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 | $13,061 | $181,896-92.8% | $156,551-91.7% | $273,972-95.2% |
| Participation rate | 61.1% | 88.4%-27.3pp | 84.0%-22.9pp | 83.0%-21.9pp |
| Annual return | 9.59% | 30.74%-21.2pp | 32.23%-22.6pp | 41.46%-31.9pp |
| Employer contribution / active EE | $1,299 | $6,248-79.2% | $5,501-76.4% | $4,869-73.3% |
| Participant deferral / active EE | $2,642 | $5,550-52.4% | $4,871-45.8% | $5,287-50.0% |
| Admin fee / account holder | $518 | $15,560-96.7% | $13,028-96.0% | $10,133-94.9% |