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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 | $8,574 | $52,306-83.6% | $69,779-87.7% | $62,881-86.4% |
| Participation rate | 61.0% | 67.2%-6.2pp | 71.8%-10.8pp | 69.3%-8.3pp |
| Annual return | 18.25% | 13.35%+4.9pp | 12.99%+5.3pp | 20.14%-1.9pp |
| Employer contribution / active EE | $285 | $1,799-84.2% | $2,338-87.8% | $2,281-87.5% |
| Participant deferral / active EE | $1,304 | $2,395-45.5% | $2,931-55.5% | $3,203-59.3% |
| Admin fee / account holder | $476 | $3,691-87.1% | $4,381-89.1% | $4,296-88.9% |