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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 | $106,864-86.6% | $147,318-90.3% | $82,637-82.6% |
| Participation rate | 41.2% | 75.5%-34.3pp | 82.1%-40.9pp | 68.1%-26.9pp |
| Annual return | 26.13% | 27.49%-1.4pp | 70.43%-44.3pp | 53.51%-27.4pp |
| Employer contribution / active EE | $261 | $3,417-92.4% | $4,593-94.3% | $2,552-89.8% |
| Participant deferral / active EE | $3,117 | $6,496-52.0% | $7,906-60.6% | $4,126-24.5% |
| Admin fee / account holder | $672 | $8,415-92.0% | $13,708-95.1% | $7,339-90.8% |