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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 | $15,382 | $166,131-90.7% | $164,975-90.7% | $145,877-89.5% |
| Participation rate | 42.1% | 82.0%-39.9pp | 78.6%-36.5pp | 80.3%-38.2pp |
| Annual return | 11.98% | 100.37%-88.4pp | 70.12%-58.1pp | 551.28%-539.3pp |
| Employer contribution / active EE | $968 | $5,276-81.7% | $4,343-77.7% | $4,663-79.3% |
| Participant deferral / active EE | $2,348 | $6,962-66.3% | $6,033-61.1% | $6,691-64.9% |
| Admin fee / account holder | $2,278 | $16,648-86.3% | $12,688-82.0% | $13,402-83.0% |