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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 | $6,202 | $73,978-91.6% | $96,515-93.6% | $75,173-91.8% |
| Participation rate | 69.7% | 66.4%+3.3pp | 74.3%-4.6pp | 67.2%+2.5pp |
| Annual return | 17.55% | 26.72%-9.2pp | 35.73%-18.2pp | 160.72%-143.2pp |
| Employer contribution / active EE | $487 | $2,931-83.4% | $3,740-87.0% | $2,671-81.8% |
| Participant deferral / active EE | $1,572 | $3,660-57.0% | $4,880-67.8% | $4,126-61.9% |
| Admin fee / account holder | $340 | $5,219-93.5% | $6,735-95.0% | $5,651-94.0% |