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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 | $20,181 | $69,977-71.2% | $108,582-81.4% | $62,881-67.9% |
| Participation rate | 64.5% | 72.9%-8.4pp | 79.6%-15.1pp | 69.3%-4.8pp |
| Annual return | 6.40% | 10.73%-4.3pp | -51.70%+58.1pp | 20.14%-13.7pp |
| Employer contribution / active EE | $300 | $2,135-85.9% | $3,758-92.0% | $2,281-86.8% |
| Participant deferral / active EE | $2,286 | $3,165-27.8% | $4,311-47.0% | $3,203-28.6% |
| Admin fee / account holder | $343 | $5,076-93.2% | $7,645-95.5% | $4,296-92.0% |