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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 | $10,702 | $202,463-94.7% | $169,397-93.7% | $139,487-92.3% |
| Participation rate | 12.5% | 81.1%-68.6pp | 77.2%-64.7pp | 80.3%-67.8pp |
| Annual return | 24.30% | 532.64%-508.3pp | 406.23%-381.9pp | 373.84%-349.5pp |
| Employer contribution / active EE | $396 | $4,694-91.6% | $4,013-90.1% | $4,755-91.7% |
| Participant deferral / active EE | $1,542 | $6,941-77.8% | $6,223-75.2% | $6,713-77.0% |
| Admin fee / account holder | $553 | $10,726-94.8% | $9,017-93.9% | $11,407-95.2% |