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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 | $11,611 | $153,769-92.4% | $133,975-91.3% | $273,972-95.8% |
| Participation rate | 64.3% | 88.4%-24.1pp | 87.1%-22.8pp | 83.0%-18.7pp |
| Annual return | 4.61% | 36.51%-31.9pp | 29.29%-24.7pp | 41.46%-36.8pp |
| Employer contribution / active EE | $1,120 | $6,029-81.4% | $5,211-78.5% | $4,869-77.0% |
| Participant deferral / active EE | $2,775 | $6,958-60.1% | $6,282-55.8% | $5,287-47.5% |
| Admin fee / account holder | $857 | $11,765-92.7% | $9,324-90.8% | $10,133-91.5% |