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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 | $18,728 | $76,551-75.5% | $123,894-84.9% | $62,881-70.2% |
| Participation rate | 43.3% | 73.0%-29.6pp | 81.4%-38.1pp | 69.3%-26.0pp |
| Annual return | 14.08% | 18.68%-4.6pp | 47.52%-33.4pp | 20.14%-6.1pp |
| Employer contribution / active EE | $54 | $2,882-98.1% | $4,617-98.8% | $2,281-97.6% |
| Participant deferral / active EE | $2,793 | $4,840-42.3% | $5,984-53.3% | $3,203-12.8% |
| Admin fee / account holder | $2,041 | $4,826-57.7% | $8,357-75.6% | $4,296-52.5% |