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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 | $10,626 | $107,368-90.1% | $92,915-88.6% | $152,909-93.1% |
| Participation rate | 28.6% | 79.8%-51.2pp | 76.0%-47.4pp | 82.5%-53.9pp |
| Annual return | 26.71% | 145.64%-118.9pp | 109.45%-82.7pp | 345.46%-318.8pp |
| Employer contribution / active EE | $639 | $4,222-84.9% | $3,653-82.5% | $4,764-86.6% |
| Participant deferral / active EE | $1,420 | $4,848-70.7% | $4,238-66.5% | $5,851-75.7% |
| Admin fee / account holder | $1,691 | $7,082-76.1% | $5,796-70.8% | $11,601-85.4% |