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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 | $9,846 | $84,236-88.3% | $170,435-94.2% | $70,126-86.0% |
| Participation rate | 69.4% | 70.8%-1.4pp | 83.6%-14.2pp | 69.5%-0.1pp |
| Annual return | 15.62% | 23.06%-7.4pp | 205.94%-190.3pp | 73.15%-57.5pp |
| Employer contribution / active EE | $284 | $3,387-91.6% | $5,432-94.8% | $2,343-87.9% |
| Participant deferral / active EE | $1,462 | $3,086-52.6% | $4,939-70.4% | $3,332-56.1% |
| Admin fee / account holder | $698 | $5,698-87.8% | $13,881-95.0% | $4,645-85.0% |