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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 | $19,223 | $81,487-76.4% | $102,412-81.2% | $80,935-76.2% |
| Participation rate | 21.8% | 66.8%-45.0pp | 74.5%-52.7pp | 67.7%-45.9pp |
| Annual return | 26.24% | 25.60%+0.6pp | 24.94%+1.3pp | 35.66%-9.4pp |
| Employer contribution / active EE | $622 | $3,103-80.0% | $3,870-83.9% | $2,757-77.4% |
| Participant deferral / active EE | $1,682 | $3,871-56.5% | $5,060-66.8% | $4,299-60.9% |
| Admin fee / account holder | $476 | $6,717-92.9% | $8,388-94.3% | $6,924-93.1% |