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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 | $11,152 | $88,360-87.4% | $145,433-92.3% | $67,986-83.6% |
| Participation rate | 59.2% | 65.5%-6.3pp | 82.1%-22.9pp | 57.2%+2.0pp |
| Annual return | 22.89% | 63.15%-40.3pp | 66.58%-43.7pp | 31.67%-8.8pp |
| Employer contribution / active EE | $339 | $3,054-88.9% | $4,554-92.6% | $2,019-83.2% |
| Participant deferral / active EE | $1,657 | $5,932-72.1% | $7,897-79.0% | $3,358-50.7% |
| Admin fee / account holder | $814 | $3,313-75.4% | $13,129-93.8% | $3,203-74.6% |