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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 | $26,707 | $239,571-88.9% | $183,328-85.4% | $137,256-80.5% |
| Participation rate | 66.7% | 82.4%-15.7pp | 77.3%-10.7pp | 80.0%-13.3pp |
| Annual return | 18.78% | 35.69%-16.9pp | 29.67%-10.9pp | 220.34%-201.6pp |
| Employer contribution / active EE | $1,240 | $6,148-79.8% | $5,055-75.5% | $4,156-70.2% |
| Participant deferral / active EE | $6,654 | $7,995-16.8% | $6,795-2.1% | $6,407+3.9% |
| Admin fee / account holder | $1,745 | $30,059-94.2% | $21,427-91.9% | $12,270-85.8% |