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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 | $18,629 | $81,504-77.1% | $102,437-81.8% | $80,959-77.0% |
| Participation rate | 30.8% | 66.9%-36.1pp | 74.5%-43.7pp | 67.7%-36.9pp |
| Annual return | 15.82% | 25.60%-9.8pp | 24.95%-9.1pp | 35.67%-19.8pp |
| Employer contribution / active EE | $319 | $3,104-89.7% | $3,871-91.8% | $2,757-88.4% |
| Participant deferral / active EE | $2,071 | $3,871-46.5% | $5,060-59.1% | $4,300-51.8% |
| Admin fee / account holder | $561 | $6,719-91.7% | $8,388-93.3% | $6,925-91.9% |