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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 | $14,012 | $93,055-84.9% | $153,741-90.9% | $80,959-82.7% |
| Participation rate | 55.9% | 69.0%-13.1pp | 77.1%-21.2pp | 67.7%-11.8pp |
| Annual return | 11.28% | 19.97%-8.7pp | 15.71%-4.4pp | 35.67%-24.4pp |
| Employer contribution / active EE | $909 | $3,504-74.1% | $5,042-82.0% | $2,757-67.0% |
| Participant deferral / active EE | $1,910 | $5,172-63.1% | $6,757-71.7% | $4,300-55.6% |
| Admin fee / account holder | $1,923 | $8,881-78.3% | $12,749-84.9% | $6,925-72.2% |