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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 | $32,495 | $146,267-77.8% | $197,124-83.5% | $82,448-60.6% |
| Participation rate | 60.3% | 84.0%-23.7pp | 86.7%-26.4pp | 68.1%-7.7pp |
| Annual return | 16.48% | 29.61%-13.1pp | 44.34%-27.9pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,014 | $4,723-78.5% | $6,227-83.7% | $2,551-60.3% |
| Participant deferral / active EE | $3,376 | $7,035-52.0% | $9,135-63.0% | $4,139-18.4% |
| Admin fee / account holder | $1,278 | $14,422-91.1% | $16,298-92.2% | $7,234-82.3% |