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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 | $12,605 | $162,136-92.2% | $152,301-91.7% | $154,746-91.9% |
| Participation rate | 47.4% | 84.1%-36.7pp | 82.4%-35.1pp | 80.7%-33.3pp |
| Annual return | 26.72% | 91.02%-64.3pp | 80.50%-53.8pp | 172.34%-145.6pp |
| Employer contribution / active EE | $862 | $4,890-82.4% | $4,624-81.4% | $4,379-80.3% |
| Participant deferral / active EE | $2,893 | $8,341-65.3% | $8,004-63.8% | $6,730-57.0% |
| Admin fee / account holder | $442 | $15,759-97.2% | $14,398-96.9% | $14,365-96.9% |