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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 | $17,149 | $132,310-87.0% | $105,754-83.8% | $273,972-93.7% |
| Participation rate | 65.2% | 83.2%-18.0pp | 78.9%-13.7pp | 83.0%-17.8pp |
| Annual return | 5.65% | 10.08%-4.4pp | 12.25%-6.6pp | 41.46%-35.8pp |
| Employer contribution / active EE | $769 | $4,867-84.2% | $4,079-81.2% | $4,869-84.2% |
| Participant deferral / active EE | $6,984 | $6,233+12.1% | $5,326+31.1% | $5,287+32.1% |
| Admin fee / account holder | $3,350 | $12,036-72.2% | $8,309-59.7% | $10,133-66.9% |