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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 | $6,642 | $45,043-85.3% | $63,005-89.5% | $70,124-90.5% |
| Participation rate | 68.1% | 69.5%-1.4pp | 74.8%-6.7pp | 69.5%-1.5pp |
| Annual return | 21.55% | 18.76%+2.8pp | 87.59%-66.0pp | 73.14%-51.6pp |
| Employer contribution / active EE | $319 | $2,052-84.5% | $2,760-88.5% | $2,342-86.4% |
| Participant deferral / active EE | $1,157 | $2,466-53.1% | $3,329-65.2% | $3,332-65.3% |
| Admin fee / account holder | $1,122 | $2,833-60.4% | $3,599-68.8% | $4,645-75.8% |