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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 | $18,795 | $106,864-82.4% | $147,318-87.2% | $82,637-77.3% |
| Participation rate | 68.4% | 75.5%-7.1pp | 82.1%-13.6pp | 68.1%+0.4pp |
| Annual return | 18.21% | 27.49%-9.3pp | 70.43%-52.2pp | 53.51%-35.3pp |
| Employer contribution / active EE | $534 | $3,417-84.4% | $4,593-88.4% | $2,552-79.1% |
| Participant deferral / active EE | $3,473 | $6,496-46.5% | $7,906-56.1% | $4,126-15.8% |
| Admin fee / account holder | $1,007 | $8,415-88.0% | $13,708-92.7% | $7,339-86.3% |