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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 | $34,054 | $138,393-75.4% | $184,256-81.5% | $80,959-57.9% |
| Participation rate | 68.0% | 83.9%-15.9pp | 86.8%-18.8pp | 67.7%+0.3pp |
| Annual return | 13.10% | 20.01%-6.9pp | 28.85%-15.7pp | 35.67%-22.6pp |
| Employer contribution / active EE | $326 | $4,847-93.3% | $6,427-94.9% | $2,757-88.2% |
| Participant deferral / active EE | $11,144 | $7,076+57.5% | $9,133+22.0% | $4,300+159.1% |
| Admin fee / account holder | $10,228 | $10,489-2.5% | $13,899-26.4% | $6,925+47.7% |