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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 | $7,453 | $63,845-88.3% | $81,370-90.8% | $80,959-90.8% |
| Participation rate | 55.6% | 63.9%-8.3pp | 69.5%-14.0pp | 67.7%-12.1pp |
| Annual return | 13.87% | 16.37%-2.5pp | 24.85%-11.0pp | 35.67%-21.8pp |
| Employer contribution / active EE | $284 | $1,980-85.7% | $2,464-88.5% | $2,757-89.7% |
| Participant deferral / active EE | $2,048 | $3,093-33.8% | $3,885-47.3% | $4,300-52.4% |
| Admin fee / account holder | $1,734 | $5,688-69.5% | $5,749-69.8% | $6,925-75.0% |