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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 | $24,396 | $80,731-69.8% | $103,378-76.4% | $74,400-67.2% |
| Participation rate | 32.6% | 65.7%-33.1pp | 74.5%-42.0pp | 67.2%-34.7pp |
| Annual return | 13.64% | 27.56%-13.9pp | 24.91%-11.3pp | 1367.51%-1353.9pp |
| Employer contribution / active EE | $601 | $3,159-81.0% | $3,870-84.5% | $2,624-77.1% |
| Participant deferral / active EE | $1,959 | $3,862-49.3% | $5,058-61.3% | $4,348-55.0% |
| Admin fee / account holder | $636 | $2,369-73.2% | $8,401-92.4% | $1,944-67.3% |