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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 | $12,258 | $86,949-85.9% | $102,460-88.0% | $80,959-84.9% |
| Participation rate | 53.3% | 72.4%-19.1pp | 76.5%-23.2pp | 67.7%-14.3pp |
| Annual return | 11.62% | 18.89%-7.3pp | 29.47%-17.9pp | 35.67%-24.0pp |
| Employer contribution / active EE | $544 | $2,370-77.0% | $3,025-82.0% | $2,757-80.3% |
| Participant deferral / active EE | $2,049 | $4,121-50.3% | $5,056-59.5% | $4,300-52.4% |
| Admin fee / account holder | $765 | $8,048-90.5% | $9,460-91.9% | $6,925-89.0% |