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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 | $10,758 | $73,988-85.5% | $96,538-88.9% | $75,177-85.7% |
| Participation rate | 56.3% | 66.4%-10.2pp | 74.3%-18.1pp | 67.2%-11.0pp |
| Annual return | 23.16% | 26.73%-3.6pp | 35.74%-12.6pp | 160.75%-137.6pp |
| Employer contribution / active EE | $409 | $2,930-86.1% | $3,740-89.1% | $2,671-84.7% |
| Participant deferral / active EE | $2,611 | $3,660-28.7% | $4,880-46.5% | $4,126-36.7% |
| Admin fee / account holder | $597 | $5,220-88.6% | $6,737-91.1% | $5,651-89.4% |