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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 | $22,006 | $88,672-75.2% | $105,223-79.1% | $82,448-73.3% |
| Participation rate | 68.9% | 67.9%+1.0pp | 75.0%-6.1pp | 68.1%+0.9pp |
| Annual return | 15.80% | 30.86%-15.1pp | 180.65%-164.9pp | 41.64%-25.8pp |
| Employer contribution / active EE | $355 | $3,048-88.3% | $3,689-90.4% | $2,551-86.1% |
| Participant deferral / active EE | $2,265 | $4,036-43.9% | $5,072-55.3% | $4,139-45.3% |
| Admin fee / account holder | $2,747 | $7,146-61.6% | $8,859-69.0% | $7,234-62.0% |