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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 | $8,535 | $106,267-92.0% | $96,520-91.2% | $139,456-93.9% |
| Participation rate | 64.7% | 77.8%-13.1pp | 74.3%-9.6pp | 80.3%-15.6pp |
| Annual return | 21.87% | 38.45%-16.6pp | 35.72%-13.8pp | 373.45%-351.6pp |
| Employer contribution / active EE | $672 | $4,105-83.6% | $3,739-82.0% | $4,753-85.9% |
| Participant deferral / active EE | $1,726 | $5,454-68.4% | $4,879-64.6% | $6,711-74.3% |
| Admin fee / account holder | $528 | $7,882-93.3% | $6,733-92.2% | $11,407-95.4% |