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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 | $7,798 | $72,027-89.2% | $185,835-95.8% | $79,852-90.2% |
| Participation rate | 58.1% | 65.8%-7.6pp | 78.0%-19.9pp | 69.6%-11.5pp |
| Annual return | 28.79% | 23.13%+5.7pp | 35.96%-7.2pp | 31.72%-2.9pp |
| Employer contribution / active EE | $260 | $1,965-86.8% | $4,087-93.6% | $2,471-89.5% |
| Participant deferral / active EE | $1,837 | $3,780-51.4% | $5,633-67.4% | $3,740-50.9% |
| Admin fee / account holder | $1,697 | $4,513-62.4% | $9,502-82.1% | $5,306-68.0% |