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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 | $14,867 | $73,787-79.9% | $98,716-84.9% | $82,448-82.0% |
| Participation rate | 61.5% | 61.4%+0.1pp | 69.3%-7.8pp | 68.1%-6.5pp |
| Annual return | 17.03% | 18.57%-1.5pp | 31.81%-14.8pp | 41.64%-24.6pp |
| Employer contribution / active EE | $258 | $1,511-82.9% | $2,279-88.7% | $2,551-89.9% |
| Participant deferral / active EE | $1,781 | $3,081-42.2% | $4,048-56.0% | $4,139-57.0% |
| Admin fee / account holder | $649 | $6,500-90.0% | $8,703-92.5% | $7,234-91.0% |