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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 | $6,520 | $49,249-86.8% | $70,476-90.7% | $79,852-91.8% |
| Participation rate | 52.8% | 69.2%-16.4pp | 75.1%-22.3pp | 69.6%-16.9pp |
| Annual return | 21.82% | 30.09%-8.3pp | 109.12%-87.3pp | 31.72%-9.9pp |
| Employer contribution / active EE | $272 | $2,100-87.1% | $2,738-90.1% | $2,471-89.0% |
| Participant deferral / active EE | $910 | $2,769-67.1% | $3,710-75.5% | $3,740-75.7% |
| Admin fee / account holder | $2,082 | $2,878-27.7% | $3,847-45.9% | $5,306-60.8% |