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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 | $17,716 | $73,955-76.0% | $96,520-81.6% | $75,181-76.4% |
| Participation rate | 23.8% | 66.4%-42.6pp | 74.3%-50.5pp | 67.2%-43.4pp |
| Annual return | 19.38% | 26.72%-7.3pp | 35.72%-16.3pp | 160.69%-141.3pp |
| Employer contribution / active EE | $628 | $2,930-78.6% | $3,739-83.2% | $2,671-76.5% |
| Participant deferral / active EE | $2,356 | $3,659-35.6% | $4,879-51.7% | $4,126-42.9% |
| Admin fee / account holder | $5,320 | $5,217+2.0% | $6,733-21.0% | $5,650-5.8% |