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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 | $18,408 | $67,602-72.8% | $82,312-77.6% | $70,126-73.8% |
| Participation rate | 52.1% | 72.8%-20.7pp | 76.9%-24.8pp | 69.5%-17.5pp |
| Annual return | 13.59% | 21.57%-8.0pp | 25.88%-12.3pp | 73.15%-59.6pp |
| Employer contribution / active EE | $23 | $1,755-98.7% | $2,428-99.1% | $2,343-99.0% |
| Participant deferral / active EE | $1,458 | $2,987-51.2% | $3,706-60.7% | $3,332-56.2% |
| Admin fee / account holder | $983 | $4,512-78.2% | $5,608-82.5% | $4,645-78.8% |