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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 | $21,334 | $60,349-64.6% | $74,184-71.2% | $62,881-66.1% |
| Participation rate | 40.6% | 72.7%-32.1pp | 76.6%-36.0pp | 69.3%-28.7pp |
| Annual return | 10.42% | 21.38%-11.0pp | 17.74%-7.3pp | 20.14%-9.7pp |
| Employer contribution / active EE | $175 | $1,680-89.6% | $2,370-92.6% | $2,281-92.3% |
| Participant deferral / active EE | $1,375 | $2,856-51.9% | $3,550-61.3% | $3,203-57.1% |
| Admin fee / account holder | $1,290 | $4,261-69.7% | $5,586-76.9% | $4,296-70.0% |