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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 | $17,850 | $60,349-70.4% | $74,184-75.9% | $62,881-71.6% |
| Participation rate | 35.4% | 72.7%-37.4pp | 76.6%-41.3pp | 69.3%-33.9pp |
| Annual return | 12.01% | 21.38%-9.4pp | 17.74%-5.7pp | 20.14%-8.1pp |
| Employer contribution / active EE | $277 | $1,680-83.5% | $2,370-88.3% | $2,281-87.9% |
| Participant deferral / active EE | $1,542 | $2,856-46.0% | $3,550-56.6% | $3,203-51.9% |
| Admin fee / account holder | $922 | $4,261-78.4% | $5,586-83.5% | $4,296-78.5% |