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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 | $26,666 | $80,985-67.1% | $96,576-72.4% | $75,181-64.5% |
| Participation rate | 57.1% | 71.8%-14.6pp | 76.0%-18.8pp | 67.2%-10.1pp |
| Annual return | 19.46% | 27.05%-7.6pp | 25.87%-6.4pp | 160.69%-141.2pp |
| Employer contribution / active EE | $555 | $2,282-75.7% | $2,965-81.3% | $2,671-79.2% |
| Participant deferral / active EE | $5,060 | $3,929+28.8% | $4,851+4.3% | $4,126+22.6% |
| Admin fee / account holder | $1,515 | $6,719-77.4% | $8,253-81.6% | $5,650-73.2% |