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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 | $17,596 | $73,988-76.2% | $96,538-81.8% | $75,177-76.6% |
| Participation rate | 44.3% | 66.4%-22.1pp | 74.3%-30.1pp | 67.2%-22.9pp |
| Annual return | 13.59% | 26.73%-13.1pp | 35.74%-22.2pp | 160.75%-147.2pp |
| Employer contribution / active EE | $203 | $2,930-93.1% | $3,740-94.6% | $2,671-92.4% |
| Participant deferral / active EE | $1,764 | $3,660-51.8% | $4,880-63.9% | $4,126-57.3% |
| Admin fee / account holder | $1,479 | $5,220-71.7% | $6,737-78.0% | $5,651-73.8% |