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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 | $20,493 | $81,487-74.9% | $102,412-80.0% | $80,935-74.7% |
| Participation rate | 48.1% | 66.8%-18.7pp | 74.5%-26.4pp | 67.7%-19.5pp |
| Annual return | 11.14% | 25.60%-14.5pp | 24.94%-13.8pp | 35.66%-24.5pp |
| Employer contribution / active EE | $763 | $3,103-75.4% | $3,870-80.3% | $2,757-72.3% |
| Participant deferral / active EE | $2,415 | $3,871-37.6% | $5,060-52.3% | $4,299-43.8% |
| Admin fee / account holder | $482 | $6,717-92.8% | $8,388-94.3% | $6,924-93.0% |