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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 | $9,158 | $58,600-84.4% | $83,327-89.0% | $64,173-85.7% |
| Participation rate | 68.8% | 72.0%-3.3pp | 77.8%-9.0pp | 69.6%-0.8pp |
| Annual return | 41.98% | 9.66%+32.3pp | 10.64%+31.3pp | 7.63%+34.3pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $7,104 | $4,656+52.6% | $5,565+27.6% | $3,470+104.7% |
| Admin fee / account holder | $342 | $9,282-96.3% | $7,540-95.5% | $4,887-93.0% |