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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 | $7,355 | $183,539-96.0% | $155,556-95.3% | $145,897-95.0% |
| Participation rate | 53.8% | 82.7%-28.9pp | 78.2%-24.4pp | 80.3%-26.5pp |
| Annual return | 45.02% | 61.31%-16.3pp | 64.84%-19.8pp | 552.29%-507.3pp |
| Employer contribution / active EE | $951 | $5,315-82.1% | $4,675-79.7% | $4,663-79.6% |
| Participant deferral / active EE | $2,704 | $6,467-58.2% | $5,631-52.0% | $6,689-59.6% |
| Admin fee / account holder | $384 | $19,275-98.0% | $15,885-97.6% | $13,390-97.1% |