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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 | $18,237 | $181,896-90.0% | $156,551-88.4% | $273,972-93.3% |
| Participation rate | 46.2% | 88.4%-42.2pp | 84.0%-37.9pp | 83.0%-36.9pp |
| Annual return | 7.31% | 30.74%-23.4pp | 32.23%-24.9pp | 41.46%-34.1pp |
| Employer contribution / active EE | $825 | $6,248-86.8% | $5,501-85.0% | $4,869-83.0% |
| Participant deferral / active EE | $4,396 | $5,550-20.8% | $4,871-9.8% | $5,287-16.9% |
| Admin fee / account holder | $2,025 | $15,560-87.0% | $13,028-84.5% | $10,133-80.0% |