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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 | $86,919-85.9% | $102,457-88.0% | $80,911-84.9% |
| Participation rate | 53.3% | 72.4%-19.0pp | 76.5%-23.2pp | 67.6%-14.3pp |
| Annual return | 11.62% | 18.90%-7.3pp | 29.41%-17.8pp | 35.63%-24.0pp |
| Employer contribution / active EE | $544 | $2,368-77.0% | $3,022-82.0% | $2,756-80.2% |
| Participant deferral / active EE | $2,049 | $4,119-50.3% | $5,054-59.5% | $4,297-52.3% |
| Admin fee / account holder | $765 | $8,049-90.5% | $9,451-91.9% | $6,935-89.0% |