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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 | $10,701 | $73,978-85.5% | $96,515-88.9% | $75,173-85.8% |
| Participation rate | 65.4% | 66.4%-1.0pp | 74.3%-9.0pp | 67.2%-1.8pp |
| Annual return | 13.47% | 26.72%-13.3pp | 35.73%-22.3pp | 160.72%-147.3pp |
| Employer contribution / active EE | $723 | $2,931-75.3% | $3,740-80.7% | $2,671-72.9% |
| Participant deferral / active EE | $1,660 | $3,660-54.6% | $4,880-66.0% | $4,126-59.8% |
| Admin fee / account holder | $428 | $5,219-91.8% | $6,735-93.6% | $5,651-92.4% |