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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 | $15,076 | $65,367-76.9% | $92,915-83.8% | $72,976-79.3% |
| Participation rate | 67.3% | 68.3%-1.0pp | 76.0%-8.7pp | 69.5%-2.2pp |
| Annual return | 18.56% | 42.11%-23.5pp | 109.45%-90.9pp | 81.02%-62.5pp |
| Employer contribution / active EE | $268 | $2,594-89.7% | $3,653-92.7% | $2,440-89.0% |
| Participant deferral / active EE | $1,819 | $3,128-41.8% | $4,238-57.1% | $3,608-49.6% |
| Admin fee / account holder | $4,076 | $4,251-4.1% | $5,796-29.7% | $5,124-20.5% |