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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 | $15,515 | $89,259-82.6% | $107,187-85.5% | $82,637-81.2% |
| Participation rate | 68.3% | 67.9%+0.4pp | 75.0%-6.7pp | 68.1%+0.2pp |
| Annual return | 22.54% | 21.02%+1.5pp | 204.55%-182.0pp | 53.51%-31.0pp |
| Employer contribution / active EE | $329 | $3,080-89.3% | $3,782-91.3% | $2,552-87.1% |
| Participant deferral / active EE | $3,307 | $4,037-18.1% | $5,096-35.1% | $4,126-19.8% |
| Admin fee / account holder | $485 | $7,381-93.4% | $9,162-94.7% | $7,339-93.4% |