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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 | $11,536 | $84,236-86.3% | $170,435-93.2% | $70,126-83.5% |
| Participation rate | 61.8% | 70.8%-9.0pp | 83.6%-21.8pp | 69.5%-7.7pp |
| Annual return | 17.16% | 23.06%-5.9pp | 205.94%-188.8pp | 73.15%-56.0pp |
| Employer contribution / active EE | $346 | $3,387-89.8% | $5,432-93.6% | $2,343-85.2% |
| Participant deferral / active EE | $1,425 | $3,086-53.8% | $4,939-71.1% | $3,332-57.2% |
| Admin fee / account holder | $2,870 | $5,698-49.6% | $13,881-79.3% | $4,645-38.2% |