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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 | $13,575 | $89,123-84.8% | $102,460-86.8% | $77,762-82.5% |
| Participation rate | 58.7% | 80.9%-22.2pp | 76.5%-17.8pp | 70.6%-11.9pp |
| Annual return | 21.07% | 25.05%-4.0pp | 29.47%-8.4pp | 31.27%-10.2pp |
| Employer contribution / active EE | $5 | $2,700-99.8% | $3,025-99.8% | $2,728-99.8% |
| Participant deferral / active EE | $4,385 | $5,148-14.8% | $5,056-13.3% | $4,651-5.7% |
| Admin fee / account holder | $625 | $236+164.9% | $9,460-93.4% | $433+44.4% |