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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 | $18,912 | $165,381-88.6% | $149,730-87.4% | $158,966-88.1% |
| Participation rate | 54.5% | 84.6%-30.0pp | 82.5%-27.9pp | 82.0%-27.4pp |
| Annual return | 14.73% | 348.29%-333.6pp | 276.70%-262.0pp | 302.95%-288.2pp |
| Employer contribution / active EE | $564 | $5,104-88.9% | $4,645-87.9% | $4,762-88.1% |
| Participant deferral / active EE | $4,994 | $7,182-30.5% | $6,843-27.0% | $5,983-16.5% |
| Admin fee / account holder | $473 | $10,809-95.6% | $9,310-94.9% | $11,250-95.8% |