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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 | $6,506 | $112,729-94.2% | $98,716-93.4% | $137,256-95.3% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.3%-2.6pp | 80.0%-13.3pp |
| Annual return | 20.67% | 38.48%-17.8pp | 31.81%-11.1pp | 220.34%-199.7pp |
| Employer contribution / active EE | $413 | $2,725-84.8% | $2,279-81.9% | $4,156-90.1% |
| Participant deferral / active EE | $1,386 | $4,640-70.1% | $4,048-65.8% | $6,407-78.4% |
| Admin fee / account holder | $657 | $10,129-93.5% | $8,703-92.5% | $12,270-94.6% |