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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 | $9,961 | $198,462-95.0% | $170,439-94.2% | $147,585-93.3% |
| Participation rate | 45.8% | 88.0%-42.1pp | 83.6%-37.8pp | 82.8%-37.0pp |
| Annual return | 19.23% | 257.30%-238.1pp | 205.94%-186.7pp | 578.58%-559.4pp |
| Employer contribution / active EE | $287 | $6,184-95.4% | $5,433-94.7% | $4,876-94.1% |
| Participant deferral / active EE | $2,387 | $5,629-57.6% | $4,939-51.7% | $5,439-56.1% |
| Admin fee / account holder | $1,419 | $16,852-91.6% | $13,881-89.8% | $10,886-87.0% |