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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 | $15,386 | $78,423-80.4% | $95,964-84.0% | $79,856-80.7% |
| Participation rate | 61.5% | 73.5%-12.0pp | 77.1%-15.5pp | 69.6%-8.1pp |
| Annual return | 11.41% | 19.37%-8.0pp | 91.64%-80.2pp | 31.71%-20.3pp |
| Employer contribution / active EE | $255 | $1,945-86.9% | $2,541-90.0% | $2,471-89.7% |
| Participant deferral / active EE | $1,702 | $3,440-50.5% | $4,167-59.1% | $3,741-54.5% |
| Admin fee / account holder | $5,532 | $5,622-1.6% | $6,797-18.6% | $5,306+4.3% |