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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 | $12,036 | $46,877-74.3% | $122,354-90.2% | $70,126-82.8% |
| Participation rate | 35.0% | 58.2%-23.2pp | 71.6%-36.6pp | 69.5%-34.5pp |
| Annual return | 19.57% | 24.22%-4.7pp | 30.28%-10.7pp | 73.15%-53.6pp |
| Employer contribution / active EE | $167 | $1,288-87.0% | $4,051-95.9% | $2,343-92.9% |
| Participant deferral / active EE | $1,068 | $2,167-50.7% | $3,287-67.5% | $3,332-67.9% |
| Admin fee / account holder | $844 | $3,324-74.6% | $5,479-84.6% | $4,645-81.8% |