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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 | $145,431-77.7% | $211,142-84.6% | $87,485-62.9% |
| Participation rate | 60.3% | 84.7%-24.4pp | 87.3%-26.9pp | 68.9%-8.6pp |
| Annual return | 16.48% | 27.21%-10.7pp | 46.84%-30.4pp | 26.06%-9.6pp |
| Employer contribution / active EE | $1,014 | $4,662-78.2% | $6,442-84.3% | $2,596-60.9% |
| Participant deferral / active EE | $3,376 | $6,859-50.8% | $9,284-63.6% | $4,274-21.0% |
| Admin fee / account holder | $1,278 | $17,052-92.5% | $19,076-93.3% | $7,775-83.6% |