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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 | $9,414 | $228,395-95.9% | $185,861-94.9% | $158,982-94.1% |
| Participation rate | 40.0% | 82.3%-42.3pp | 78.0%-38.0pp | 82.0%-42.0pp |
| Annual return | 32.83% | 40.82%-8.0pp | 35.96%-3.1pp | 302.99%-270.2pp |
| Employer contribution / active EE | $189 | $4,968-96.2% | $4,088-95.4% | $4,763-96.0% |
| Participant deferral / active EE | $1,997 | $6,417-68.9% | $5,634-64.5% | $5,983-66.6% |
| Admin fee / account holder | $495 | $11,869-95.8% | $9,503-94.8% | $11,252-95.6% |