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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 | $12,982 | $115,814-88.8% | $101,275-87.2% | $158,982-91.8% |
| Participation rate | 64.3% | 79.4%-15.1pp | 75.8%-11.5pp | 82.0%-17.7pp |
| Annual return | 16.94% | 56.16%-39.2pp | 46.48%-29.5pp | 302.99%-286.0pp |
| Employer contribution / active EE | $588 | $4,176-85.9% | $3,660-83.9% | $4,763-87.6% |
| Participant deferral / active EE | $1,417 | $4,958-71.4% | $4,371-67.6% | $5,983-76.3% |
| Admin fee / account holder | $756 | $7,249-89.6% | $5,948-87.3% | $11,252-93.3% |