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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 | $11,174 | $60,349-81.5% | $74,184-84.9% | $62,881-82.2% |
| Participation rate | 63.9% | 72.7%-8.8pp | 76.6%-12.7pp | 69.3%-5.4pp |
| Annual return | 14.78% | 21.38%-6.6pp | 17.74%-3.0pp | 20.14%-5.4pp |
| Employer contribution / active EE | $242 | $1,680-85.6% | $2,370-89.8% | $2,281-89.4% |
| Participant deferral / active EE | $5,402 | $2,856+89.1% | $3,550+52.2% | $3,203+68.7% |
| Admin fee / account holder | $441 | $4,261-89.7% | $5,586-92.1% | $4,296-89.7% |