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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 | $13,226 | $227,597-94.2% | $189,575-93.0% | $167,536-92.1% |
| Participation rate | 54.5% | 82.5%-28.0pp | 78.4%-23.9pp | 82.1%-27.6pp |
| Annual return | 23.25% | 78.44%-55.2pp | 64.19%-40.9pp | 478.82%-455.6pp |
| Employer contribution / active EE | $407 | $5,316-92.3% | $4,412-90.8% | $4,839-91.6% |
| Participant deferral / active EE | $2,341 | $7,002-66.6% | $6,174-62.1% | $6,342-63.1% |
| Admin fee / account holder | $1,902 | $11,877-84.0% | $9,806-80.6% | $12,315-84.6% |