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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 | $18,871 | $114,712-83.5% | $173,730-89.1% | $87,485-78.4% |
| Participation rate | 58.9% | 73.0%-14.1pp | 79.6%-20.6pp | 68.9%-10.0pp |
| Annual return | 17.70% | 20.18%-2.5pp | 19.96%-2.3pp | 26.06%-8.4pp |
| Employer contribution / active EE | $664 | $2,904-77.1% | $4,577-85.5% | $2,596-74.4% |
| Participant deferral / active EE | $4,300 | $4,642-7.4% | $6,326-32.0% | $4,274+0.6% |
| Admin fee / account holder | $1,760 | $10,210-82.8% | $17,523-90.0% | $7,775-77.4% |