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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 | $11,828 | $79,449-85.1% | $189,575-93.8% | $85,847-86.2% |
| Participation rate | 67.3% | 66.0%+1.3pp | 78.4%-11.2pp | 69.3%-2.0pp |
| Annual return | 19.27% | 18.45%+0.8pp | 64.19%-44.9pp | 318.61%-299.3pp |
| Employer contribution / active EE | $125 | $2,081-94.0% | $4,412-97.2% | $2,565-95.1% |
| Participant deferral / active EE | $2,649 | $4,051-34.6% | $6,174-57.1% | $3,952-33.0% |
| Admin fee / account holder | $1,022 | $5,377-81.0% | $9,806-89.6% | $6,261-83.7% |