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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 | $23,813 | $81,208-70.7% | $98,920-75.9% | $79,856-70.2% |
| Participation rate | 58.3% | 72.5%-14.2pp | 76.0%-17.7pp | 69.6%-11.3pp |
| Annual return | 20.96% | 60.99%-40.0pp | 196.47%-175.5pp | 31.71%-10.7pp |
| Employer contribution / active EE | $308 | $1,960-84.3% | $2,689-88.6% | $2,471-87.5% |
| Participant deferral / active EE | $2,077 | $3,265-36.4% | $4,245-51.1% | $3,741-44.5% |
| Admin fee / account holder | $357 | $6,013-94.1% | $6,643-94.6% | $5,306-93.3% |