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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 | $9,542 | $181,062-94.7% | $158,223-94.0% | $155,188-93.9% |
| Participation rate | 66.7% | 82.7%-16.0pp | 79.2%-12.5pp | 80.8%-14.1pp |
| Annual return | 13.96% | 57.39%-43.4pp | 52.09%-38.1pp | 148.84%-134.9pp |
| Employer contribution / active EE | $834 | $4,565-81.7% | $4,109-79.7% | $4,248-80.4% |
| Participant deferral / active EE | $2,131 | $6,134-65.3% | $5,467-61.0% | $6,531-67.4% |
| Admin fee / account holder | $1,373 | $18,825-92.7% | $16,047-91.4% | $14,480-90.5% |