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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 | $15,063 | $196,972-92.4% | $182,262-91.7% | $198,609-92.4% |
| Participation rate | 66.7% | 85.7%-19.0pp | 84.2%-17.5pp | 82.4%-15.7pp |
| Annual return | 19.63% | 158.27%-138.6pp | 140.60%-121.0pp | 202.70%-183.1pp |
| Employer contribution / active EE | $922 | $5,364-82.8% | $5,046-81.7% | $5,055-81.8% |
| Participant deferral / active EE | $5,046 | $8,643-41.6% | $8,276-39.0% | $6,977-27.7% |
| Admin fee / account holder | $959 | $18,429-94.8% | $16,712-94.3% | $19,030-95.0% |