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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 | $14,344 | $67,595-78.8% | $186,193-92.3% | $64,340-77.7% |
| Participation rate | 38.6% | 51.9%-13.3pp | 77.1%-38.5pp | 55.2%-16.7pp |
| Annual return | 28.47% | 17.46%+11.0pp | 78.03%-49.6pp | 24.14%+4.3pp |
| Employer contribution / active EE | $259 | $1,513-82.9% | $3,918-93.4% | $1,862-86.1% |
| Participant deferral / active EE | $2,649 | $3,023-12.4% | $6,513-59.3% | $2,980-11.1% |
| Admin fee / account holder | $690 | $5,311-87.0% | $11,058-93.8% | $3,703-81.4% |