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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 | $34,749 | $254,759-86.4% | $216,567-84.0% | $198,609-82.5% |
| Participation rate | 52.2% | 84.5%-32.3pp | 81.6%-29.5pp | 82.4%-30.2pp |
| Annual return | 13.40% | 10.04%+3.4pp | 12.94%+0.5pp | 202.70%-189.3pp |
| Employer contribution / active EE | $527 | $6,096-91.4% | $5,216-89.9% | $5,055-89.6% |
| Participant deferral / active EE | $2,694 | $6,948-61.2% | $6,191-56.5% | $6,977-61.4% |
| Admin fee / account holder | $610 | $26,311-97.7% | $21,981-97.2% | $19,030-96.8% |