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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 | $17,169 | $95,404-82.0% | $113,397-84.9% | $82,637-79.2% |
| Participation rate | 55.4% | 72.8%-17.4pp | 76.5%-21.1pp | 68.1%-12.6pp |
| Annual return | 20.18% | 19.08%+1.1pp | 23.20%-3.0pp | 53.51%-33.3pp |
| Employer contribution / active EE | $361 | $2,307-84.3% | $2,977-87.9% | $2,552-85.9% |
| Participant deferral / active EE | $2,027 | $4,220-52.0% | $5,076-60.1% | $4,126-50.9% |
| Admin fee / account holder | $573 | $9,168-93.8% | $11,957-95.2% | $7,339-92.2% |