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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 | $30,532 | $125,797-75.7% | $170,043-82.0% | $75,173-59.4% |
| Participation rate | 67.5% | 83.6%-16.1pp | 87.0%-19.5pp | 67.2%+0.3pp |
| Annual return | 17.74% | 27.20%-9.5pp | 53.40%-35.7pp | 160.72%-143.0pp |
| Employer contribution / active EE | $182 | $4,616-96.1% | $6,790-97.3% | $2,671-93.2% |
| Participant deferral / active EE | $6,052 | $6,838-11.5% | $10,410-41.9% | $4,126+46.7% |
| Admin fee / account holder | $831 | $8,177-89.8% | $12,824-93.5% | $5,651-85.3% |