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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 | $12,165 | $72,027-83.1% | $185,861-93.5% | $79,856-84.8% |
| Participation rate | 51.7% | 65.8%-14.0pp | 78.0%-26.3pp | 69.6%-17.9pp |
| Annual return | 19.06% | 23.13%-4.1pp | 35.96%-16.9pp | 31.71%-12.6pp |
| Employer contribution / active EE | $300 | $1,965-84.7% | $4,088-92.6% | $2,471-87.8% |
| Participant deferral / active EE | $2,245 | $3,780-40.6% | $5,634-60.1% | $3,741-40.0% |
| Admin fee / account holder | $485 | $4,513-89.3% | $9,503-94.9% | $5,306-90.9% |