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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 | $18,539 | $65,322-71.6% | $70,476-73.7% | $73,493-74.8% |
| Participation rate | 21.7% | 77.0%-55.3pp | 75.1%-53.4pp | 70.7%-49.0pp |
| Annual return | 15.71% | 15.71%0pp | 109.12%-93.4pp | 28.51%-12.8pp |
| Employer contribution / active EE | $173 | $2,460-93.0% | $2,738-93.7% | $2,270-92.4% |
| Participant deferral / active EE | $1,751 | $3,375-48.1% | $3,710-52.8% | $3,740-53.2% |
| Admin fee / account holder | $3,268 | $214+1426.7% | $3,847-15.1% | $513+536.9% |