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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 | $11,688 | $106,749-89.1% | $145,433-92.0% | $82,448-85.8% |
| Participation rate | 61.3% | 75.6%-14.4pp | 82.1%-20.8pp | 68.1%-6.8pp |
| Annual return | 16.03% | 27.59%-11.6pp | 66.58%-50.5pp | 41.64%-25.6pp |
| Employer contribution / active EE | $536 | $3,444-84.4% | $4,554-88.2% | $2,551-79.0% |
| Participant deferral / active EE | $2,594 | $6,519-60.2% | $7,897-67.2% | $4,139-37.3% |
| Admin fee / account holder | $2,361 | $8,390-71.9% | $13,129-82.0% | $7,234-67.4% |