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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 | $13,793 | $81,487-83.1% | $102,412-86.5% | $80,935-83.0% |
| Participation rate | 50.5% | 66.8%-16.3pp | 74.5%-24.0pp | 67.7%-17.1pp |
| Annual return | 13.60% | 25.60%-12.0pp | 24.94%-11.3pp | 35.66%-22.1pp |
| Employer contribution / active EE | $483 | $3,103-84.4% | $3,870-87.5% | $2,757-82.5% |
| Participant deferral / active EE | $1,991 | $3,871-48.6% | $5,060-60.7% | $4,299-53.7% |
| Admin fee / account holder | $2,301 | $6,717-65.7% | $8,388-72.6% | $6,924-66.8% |