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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 | $25,867 | $109,359-76.3% | $162,185-84.1% | $72,976-64.6% |
| Participation rate | 67.9% | 84.3%-16.4pp | 87.6%-19.7pp | 69.5%-1.6pp |
| Annual return | 19.28% | 25.46%-6.2pp | 115.61%-96.3pp | 81.02%-61.7pp |
| Employer contribution / active EE | $645 | $3,907-83.5% | $5,613-88.5% | $2,440-73.5% |
| Participant deferral / active EE | $3,377 | $5,481-38.4% | $7,297-53.7% | $3,608-6.4% |
| Admin fee / account holder | $7,514 | $7,972-5.7% | $10,844-30.7% | $5,124+46.6% |