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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 | $15,441 | $89,259-82.7% | $107,187-85.6% | $82,637-81.3% |
| Participation rate | 59.4% | 67.9%-8.6pp | 75.0%-15.6pp | 68.1%-8.7pp |
| Annual return | 16.38% | 21.02%-4.6pp | 204.55%-188.2pp | 53.51%-37.1pp |
| Employer contribution / active EE | $545 | $3,080-82.3% | $3,782-85.6% | $2,552-78.6% |
| Participant deferral / active EE | $2,661 | $4,037-34.1% | $5,096-47.8% | $4,126-35.5% |
| Admin fee / account holder | $721 | $7,381-90.2% | $9,162-92.1% | $7,339-90.2% |