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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 | $11,660 | $157,829-92.6% | $136,867-91.5% | $198,609-94.1% |
| Participation rate | 52.2% | 77.2%-25.0pp | 74.5%-22.4pp | 82.4%-30.2pp |
| Annual return | 14.94% | 51.25%-36.3pp | 42.97%-28.0pp | 202.70%-187.8pp |
| Employer contribution / active EE | $662 | $3,923-83.1% | $3,547-81.3% | $5,055-86.9% |
| Participant deferral / active EE | $2,617 | $5,463-52.1% | $4,924-46.9% | $6,977-62.5% |
| Admin fee / account holder | $2,384 | $11,107-78.5% | $10,340-76.9% | $19,030-87.5% |