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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 | $18,128 | $176,838-89.7% | $146,685-87.6% | $167,518-89.2% |
| Participation rate | 63.6% | 83.6%-20.0pp | 80.1%-16.4pp | 82.1%-18.5pp |
| Annual return | 19.19% | 24.04%-4.8pp | 22.75%-3.6pp | 478.71%-459.5pp |
| Employer contribution / active EE | $486 | $5,161-90.6% | $4,137-88.2% | $4,838-89.9% |
| Participant deferral / active EE | $3,207 | $6,441-50.2% | $5,507-41.8% | $6,342-49.4% |
| Admin fee / account holder | $426 | $13,262-96.8% | $10,281-95.9% | $12,312-96.5% |