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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 | $7,640 | $72,269-89.4% | $101,271-92.5% | $79,852-90.4% |
| Participation rate | 69.6% | 68.5%+1.2pp | 75.8%-6.2pp | 69.6%0pp |
| Annual return | 38.72% | 22.29%+16.4pp | 46.48%-7.8pp | 31.72%+7.0pp |
| Employer contribution / active EE | $309 | $2,692-88.5% | $3,660-91.5% | $2,471-87.5% |
| Participant deferral / active EE | $2,242 | $3,282-31.7% | $4,371-48.7% | $3,740-40.0% |
| Admin fee / account holder | $518 | $4,401-88.2% | $5,948-91.3% | $5,306-90.2% |