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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 | $19,947 | $65,027-69.3% | $90,970-78.1% | $79,852-75.0% |
| Participation rate | 36.6% | 61.6%-25.0pp | 69.0%-32.4pp | 69.6%-33.1pp |
| Annual return | 15.42% | 30.45%-15.0pp | 134.58%-119.2pp | 31.72%-16.3pp |
| Employer contribution / active EE | $182 | $1,247-85.4% | $2,122-91.4% | $2,471-92.6% |
| Participant deferral / active EE | $1,516 | $2,512-39.6% | $3,373-55.1% | $3,740-59.5% |
| Admin fee / account holder | $1,491 | $4,535-67.1% | $5,960-75.0% | $5,306-71.9% |