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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 | $15,963 | $183,627-91.3% | $155,602-89.7% | $145,978-89.1% |
| Participation rate | 47.4% | 82.7%-35.3pp | 78.2%-30.8pp | 80.3%-32.9pp |
| Annual return | 12.94% | 61.32%-48.4pp | 64.81%-51.9pp | 550.52%-537.6pp |
| Employer contribution / active EE | $846 | $5,316-84.1% | $4,675-81.9% | $4,662-81.9% |
| Participant deferral / active EE | $2,089 | $6,466-67.7% | $5,629-62.9% | $6,690-68.8% |
| Admin fee / account holder | $501 | $19,327-97.4% | $15,923-96.9% | $13,400-96.3% |