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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 | $16,850 | $72,273-76.7% | $101,275-83.4% | $79,856-78.9% |
| Participation rate | 51.8% | 68.5%-16.7pp | 75.8%-24.0pp | 69.6%-17.9pp |
| Annual return | 20.10% | 22.30%-2.2pp | 46.48%-26.4pp | 31.71%-11.6pp |
| Employer contribution / active EE | $468 | $2,691-82.6% | $3,660-87.2% | $2,471-81.1% |
| Participant deferral / active EE | $1,481 | $3,282-54.9% | $4,371-66.1% | $3,741-60.4% |
| Admin fee / account holder | $1,854 | $4,401-57.9% | $5,948-68.8% | $5,306-65.1% |