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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 | $22,431 | $87,834-74.5% | $133,975-83.3% | $62,881-64.3% |
| Participation rate | 64.3% | 83.4%-19.1pp | 87.1%-22.8pp | 69.3%-5.0pp |
| Annual return | 15.80% | 12.05%+3.7pp | 29.29%-13.5pp | 20.14%-4.3pp |
| Employer contribution / active EE | $788 | $3,482-77.4% | $5,211-84.9% | $2,281-65.4% |
| Participant deferral / active EE | $3,473 | $4,812-27.8% | $6,282-44.7% | $3,203+8.4% |
| Admin fee / account holder | $3,718 | $5,372-30.8% | $9,324-60.1% | $4,296-13.4% |