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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 | $115,225-94.4% | $100,712-93.5% | $138,895-95.3% |
| Participation rate | 66.7% | 74.3%-7.7pp | 69.3%-2.6pp | 79.9%-13.3pp |
| Annual return | 20.67% | 40.35%-19.7pp | 33.27%-12.6pp | 145.39%-124.7pp |
| Employer contribution / active EE | $413 | $2,771-85.1% | $2,313-82.1% | $4,194-90.1% |
| Participant deferral / active EE | $1,386 | $4,699-70.5% | $4,085-66.1% | $6,396-78.3% |
| Admin fee / account holder | $657 | $10,844-93.9% | $9,256-92.9% | $12,562-94.8% |