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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 | $20,523 | $81,457-74.8% | $103,378-80.1% | $80,911-74.6% |
| Participation rate | 56.8% | 66.8%-10.0pp | 74.5%-17.7pp | 67.6%-10.8pp |
| Annual return | 28.07% | 25.58%+2.5pp | 24.91%+3.2pp | 35.63%-7.6pp |
| Employer contribution / active EE | $607 | $3,107-80.5% | $3,870-84.3% | $2,756-78.0% |
| Participant deferral / active EE | $1,872 | $3,871-51.6% | $5,058-63.0% | $4,297-56.4% |
| Admin fee / account holder | $984 | $6,717-85.4% | $8,401-88.3% | $6,935-85.8% |