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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 | $16,969 | $78,707-78.4% | $117,861-85.6% | $70,126-75.8% |
| Participation rate | 65.1% | 73.2%-8.1pp | 79.7%-14.6pp | 69.5%-4.5pp |
| Annual return | 14.06% | 23.30%-9.2pp | 335.11%-321.0pp | 73.15%-59.1pp |
| Employer contribution / active EE | $273 | $2,223-87.7% | $3,786-92.8% | $2,343-88.3% |
| Participant deferral / active EE | $1,667 | $3,297-49.4% | $4,482-62.8% | $3,332-50.0% |
| Admin fee / account holder | $555 | $5,066-89.0% | $8,021-93.1% | $4,645-88.1% |