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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 | $24,766 | $176,786-86.0% | $146,643-83.1% | $167,536-85.2% |
| Participation rate | 47.6% | 83.6%-36.0pp | 80.1%-32.5pp | 82.1%-34.5pp |
| Annual return | 12.25% | 24.04%-11.8pp | 22.75%-10.5pp | 478.82%-466.6pp |
| Employer contribution / active EE | $162 | $5,161-96.9% | $4,137-96.1% | $4,839-96.7% |
| Participant deferral / active EE | $7,435 | $6,440+15.5% | $5,506+35.0% | $6,342+17.2% |
| Admin fee / account holder | $550 | $13,262-95.9% | $10,280-94.6% | $12,315-95.5% |