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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 | $8,240 | $153,769-94.6% | $133,975-93.8% | $273,972-97.0% |
| Participation rate | 60.0% | 88.4%-28.4pp | 87.1%-27.1pp | 83.0%-23.0pp |
| Annual return | 918.26% | 36.51%+881.8pp | 29.29%+889.0pp | 41.46%+876.8pp |
| Employer contribution / active EE | $701 | $6,029-88.4% | $5,211-86.5% | $4,869-85.6% |
| Participant deferral / active EE | $2,889 | $6,958-58.5% | $6,282-54.0% | $5,287-45.4% |
| Admin fee / account holder | $3,941 | $11,765-66.5% | $9,324-57.7% | $10,133-61.1% |