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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 | $8,727 | $54,541-84.0% | $78,778-88.9% | $70,131-87.6% |
| Participation rate | 62.5% | 60.8%+1.7pp | 69.2%-6.7pp | 69.5%-7.0pp |
| Annual return | 19.51% | 21.07%-1.6pp | 35.62%-16.1pp | 73.14%-53.6pp |
| Employer contribution / active EE | $183 | $1,089-83.2% | $1,986-90.8% | $2,342-92.2% |
| Participant deferral / active EE | $1,379 | $2,210-37.6% | $2,958-53.4% | $3,332-58.6% |
| Admin fee / account holder | $424 | $3,709-88.6% | $5,134-91.7% | $4,645-90.9% |