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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 | $4,624 | $112,729-95.9% | $98,716-95.3% | $137,256-96.6% |
| Participation rate | 37.5% | 74.2%-36.7pp | 69.3%-31.8pp | 80.0%-42.5pp |
| Annual return | 23.20% | 38.48%-15.3pp | 31.81%-8.6pp | 220.34%-197.1pp |
| Employer contribution / active EE | $278 | $2,725-89.8% | $2,279-87.8% | $4,156-93.3% |
| Participant deferral / active EE | $1,261 | $4,640-72.8% | $4,048-68.8% | $6,407-80.3% |
| Admin fee / account holder | $703 | $10,129-93.1% | $8,703-91.9% | $12,270-94.3% |