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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 | $20,349 | $81,487-75.0% | $102,412-80.1% | $80,935-74.9% |
| Participation rate | 28.8% | 66.8%-38.1pp | 74.5%-45.7pp | 67.7%-38.9pp |
| Annual return | 17.35% | 25.60%-8.2pp | 24.94%-7.6pp | 35.66%-18.3pp |
| Employer contribution / active EE | $750 | $3,103-75.8% | $3,870-80.6% | $2,757-72.8% |
| Participant deferral / active EE | $2,023 | $3,871-47.7% | $5,060-60.0% | $4,299-52.9% |
| Admin fee / account holder | $2,813 | $6,717-58.1% | $8,388-66.5% | $6,924-59.4% |