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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 | $10,643 | $77,638-86.3% | $156,551-93.2% | $62,881-83.1% |
| Participation rate | 59.3% | 71.2%-11.9pp | 84.0%-24.7pp | 69.3%-10.0pp |
| Annual return | 31.03% | 50.33%-19.3pp | 32.23%-1.2pp | 20.14%+10.9pp |
| Employer contribution / active EE | $363 | $3,444-89.5% | $5,501-93.4% | $2,281-84.1% |
| Participant deferral / active EE | $1,984 | $3,046-34.9% | $4,871-59.3% | $3,203-38.1% |
| Admin fee / account holder | $434 | $5,561-92.2% | $13,028-96.7% | $4,296-89.9% |