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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 | $13,925 | $81,487-82.9% | $102,412-86.4% | $80,935-82.8% |
| Participation rate | 29.3% | 66.8%-37.5pp | 74.5%-45.2pp | 67.7%-38.4pp |
| Annual return | 27.22% | 25.60%+1.6pp | 24.94%+2.3pp | 35.66%-8.4pp |
| Employer contribution / active EE | $412 | $3,103-86.7% | $3,870-89.3% | $2,757-85.0% |
| Participant deferral / active EE | $1,709 | $3,871-55.9% | $5,060-66.2% | $4,299-60.3% |
| Admin fee / account holder | $2,834 | $6,717-57.8% | $8,388-66.2% | $6,924-59.1% |