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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 | $6,367 | $148,582-95.7% | $135,942-95.3% | $139,456-95.4% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.2pp | 80.3%-13.7pp |
| Annual return | 23.57% | 79.26%-55.7pp | 68.28%-44.7pp | 373.45%-349.9pp |
| Employer contribution / active EE | $697 | $5,245-86.7% | $4,858-85.7% | $4,753-85.3% |
| Participant deferral / active EE | $2,705 | $8,101-66.6% | $7,759-65.1% | $6,711-59.7% |
| Admin fee / account holder | $908 | $12,402-92.7% | $10,764-91.6% | $11,407-92.0% |