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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 | $16,045 | $73,955-78.3% | $96,520-83.4% | $75,181-78.7% |
| Participation rate | 44.4% | 66.4%-22.0pp | 74.3%-29.9pp | 67.2%-22.8pp |
| Annual return | 20.81% | 26.72%-5.9pp | 35.72%-14.9pp | 160.69%-139.9pp |
| Employer contribution / active EE | $4 | $2,930-99.9% | $3,739-99.9% | $2,671-99.9% |
| Participant deferral / active EE | $2,174 | $3,659-40.6% | $4,879-55.4% | $4,126-47.3% |
| Admin fee / account holder | $341 | $5,217-93.5% | $6,733-94.9% | $5,650-94.0% |