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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 | $8,477 | $72,269-88.3% | $101,271-91.6% | $79,852-89.4% |
| Participation rate | 67.6% | 68.5%-0.8pp | 75.8%-8.2pp | 69.6%-2.0pp |
| Annual return | 28.06% | 22.29%+5.8pp | 46.48%-18.4pp | 31.72%-3.7pp |
| Employer contribution / active EE | $556 | $2,692-79.4% | $3,660-84.8% | $2,471-77.5% |
| Participant deferral / active EE | $2,660 | $3,282-18.9% | $4,371-39.1% | $3,740-28.9% |
| Admin fee / account holder | $779 | $4,401-82.3% | $5,948-86.9% | $5,306-85.3% |