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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 | $12,518 | $183,592-93.2% | $155,574-92.0% | $145,877-91.4% |
| Participation rate | 45.0% | 82.7%-37.7pp | 78.2%-33.2pp | 80.3%-35.3pp |
| Annual return | 15.86% | 61.37%-45.5pp | 64.87%-49.0pp | 551.28%-535.4pp |
| Employer contribution / active EE | $887 | $5,317-83.3% | $4,676-81.0% | $4,663-81.0% |
| Participant deferral / active EE | $1,859 | $6,466-71.2% | $5,629-67.0% | $6,691-72.2% |
| Admin fee / account holder | $622 | $19,316-96.8% | $15,914-96.1% | $13,402-95.4% |