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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 | $13,089 | $81,487-83.9% | $102,412-87.2% | $80,935-83.8% |
| Participation rate | 67.9% | 66.8%+1.1pp | 74.5%-6.6pp | 67.7%+0.3pp |
| Annual return | 19.00% | 25.60%-6.6pp | 24.94%-5.9pp | 35.66%-16.7pp |
| Employer contribution / active EE | $765 | $3,103-75.3% | $3,870-80.2% | $2,757-72.2% |
| Participant deferral / active EE | $3,061 | $3,871-20.9% | $5,060-39.5% | $4,299-28.8% |
| Admin fee / account holder | $391 | $6,717-94.2% | $8,388-95.3% | $6,924-94.3% |