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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 | $18,289 | $95,404-80.8% | $113,397-83.9% | $82,637-77.9% |
| Participation rate | 48.1% | 72.8%-24.7pp | 76.5%-28.4pp | 68.1%-20.0pp |
| Annual return | 18.44% | 19.08%-0.6pp | 23.20%-4.8pp | 53.51%-35.1pp |
| Employer contribution / active EE | $418 | $2,307-81.9% | $2,977-86.0% | $2,552-83.6% |
| Participant deferral / active EE | $2,403 | $4,220-43.0% | $5,076-52.7% | $4,126-41.8% |
| Admin fee / account holder | $524 | $9,168-94.3% | $11,957-95.6% | $7,339-92.9% |