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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 | $26,526 | $80,983-67.2% | $96,544-72.5% | $75,177-64.7% |
| Participation rate | 64.3% | 71.8%-7.5pp | 76.0%-11.7pp | 67.2%-2.9pp |
| Annual return | 21.64% | 27.05%-5.4pp | 25.88%-4.2pp | 160.75%-139.1pp |
| Employer contribution / active EE | $604 | $2,282-73.5% | $2,966-79.6% | $2,671-77.4% |
| Participant deferral / active EE | $2,870 | $3,929-26.9% | $4,851-40.8% | $4,126-30.4% |
| Admin fee / account holder | $750 | $6,717-88.8% | $8,254-90.9% | $5,651-86.7% |