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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 | $100,194-82.9% | $122,979-86.0% | $86,983-80.3% |
| Participation rate | 55.4% | 73.0%-17.5pp | 77.2%-21.8pp | 69.5%-14.1pp |
| Annual return | 20.18% | 16.47%+3.7pp | 20.12%+0.1pp | 25.83%-5.7pp |
| Employer contribution / active EE | $361 | $2,326-84.5% | $3,062-88.2% | $2,584-86.0% |
| Participant deferral / active EE | $2,027 | $4,133-51.0% | $5,003-59.5% | $4,194-51.7% |
| Admin fee / account holder | $573 | $10,148-94.4% | $12,864-95.5% | $7,856-92.7% |