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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 | $15,354 | $166,242-90.8% | $165,071-90.7% | $145,884-89.5% |
| Participation rate | 64.3% | 82.0%-17.7pp | 78.6%-14.3pp | 80.3%-16.0pp |
| Annual return | 18.20% | 100.44%-82.2pp | 70.17%-52.0pp | 551.85%-533.6pp |
| Employer contribution / active EE | $676 | $5,283-87.2% | $4,347-84.4% | $4,662-85.5% |
| Participant deferral / active EE | $2,077 | $6,964-70.2% | $6,035-65.6% | $6,690-68.9% |
| Admin fee / account holder | $846 | $16,658-94.9% | $12,695-93.3% | $13,392-93.7% |