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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 | $15,464 | $65,364-76.3% | $92,909-83.4% | $72,975-78.8% |
| Participation rate | 40.7% | 68.3%-27.6pp | 76.0%-35.3pp | 69.5%-28.7pp |
| Annual return | 16.96% | 42.11%-25.1pp | 109.44%-92.5pp | 81.01%-64.1pp |
| Employer contribution / active EE | $156 | $2,594-94.0% | $3,653-95.7% | $2,440-93.6% |
| Participant deferral / active EE | $1,626 | $3,128-48.0% | $4,238-61.6% | $3,608-54.9% |
| Admin fee / account holder | $2,734 | $4,251-35.7% | $5,795-52.8% | $5,124-46.7% |