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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 | $27,465 | $162,812-83.1% | $133,971-79.5% | $158,966-82.7% |
| Participation rate | 56.3% | 83.2%-27.0pp | 79.8%-23.6pp | 82.0%-25.7pp |
| Annual return | 35.53% | 41.94%-6.4pp | 45.09%-9.6pp | 302.95%-267.4pp |
| Employer contribution / active EE | $641 | $4,976-87.1% | $3,919-83.6% | $4,762-86.5% |
| Participant deferral / active EE | $3,453 | $5,910-41.6% | $5,047-31.6% | $5,983-42.3% |
| Admin fee / account holder | $371 | $11,741-96.8% | $8,929-95.8% | $11,250-96.7% |