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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 | $14,349 | $106,749-86.6% | $145,433-90.1% | $82,448-82.6% |
| Participation rate | 41.2% | 75.6%-34.5pp | 82.1%-40.9pp | 68.1%-26.9pp |
| Annual return | 26.13% | 27.59%-1.5pp | 66.58%-40.4pp | 41.64%-15.5pp |
| Employer contribution / active EE | $261 | $3,444-92.4% | $4,554-94.3% | $2,551-89.8% |
| Participant deferral / active EE | $3,117 | $6,519-52.2% | $7,897-60.5% | $4,139-24.7% |
| Admin fee / account holder | $672 | $8,390-92.0% | $13,129-94.9% | $7,234-90.7% |