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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 | $11,858 | $52,836-77.6% | $105,738-88.8% | $64,173-81.5% |
| Participation rate | 56.5% | 66.5%-10.0pp | 76.3%-19.8pp | 69.6%-13.0pp |
| Annual return | 6.48% | 14.30%-7.8pp | 6.27%+0.2pp | 7.63%-1.2pp |
| Employer contribution / active EE | $278 | $1,827-84.8% | $3,268-91.5% | $2,381-88.3% |
| Participant deferral / active EE | $1,388 | $2,545-45.5% | $4,080-66.0% | $3,470-60.0% |
| Admin fee / account holder | $674 | $3,959-83.0% | $6,913-90.2% | $4,887-86.2% |