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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 | $11,822 | $176,120-93.3% | $159,487-92.6% | $167,553-92.9% |
| Participation rate | 69.2% | 85.0%-15.7pp | 82.8%-13.6pp | 82.1%-12.9pp |
| Annual return | 22.37% | 331.95%-309.6pp | 263.71%-241.3pp | 478.89%-456.5pp |
| Employer contribution / active EE | $453 | $5,299-91.4% | $4,831-90.6% | $4,840-90.6% |
| Participant deferral / active EE | $4,188 | $7,752-46.0% | $7,354-43.0% | $6,343-34.0% |
| Admin fee / account holder | $1,222 | $12,561-90.3% | $10,804-88.7% | $12,316-90.1% |