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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 | $10,695 | $72,273-85.2% | $101,275-89.4% | $79,856-86.6% |
| Participation rate | 53.5% | 68.5%-15.0pp | 75.8%-22.3pp | 69.6%-16.2pp |
| Annual return | 24.64% | 22.30%+2.3pp | 46.48%-21.8pp | 31.71%-7.1pp |
| Employer contribution / active EE | $482 | $2,691-82.1% | $3,660-86.8% | $2,471-80.5% |
| Participant deferral / active EE | $2,529 | $3,282-22.9% | $4,371-42.1% | $3,741-32.4% |
| Admin fee / account holder | $338 | $4,401-92.3% | $5,948-94.3% | $5,306-93.6% |