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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 | $12,217 | $157,296-92.2% | $141,191-91.3% | $152,897-92.0% |
| Participation rate | 60.9% | 84.8%-24.0pp | 82.5%-21.6pp | 82.5%-21.6pp |
| Annual return | 21.82% | 64.34%-42.5pp | 71.41%-49.6pp | 345.43%-323.6pp |
| Employer contribution / active EE | $900 | $5,262-82.9% | $4,736-81.0% | $4,764-81.1% |
| Participant deferral / active EE | $3,122 | $7,111-56.1% | $6,710-53.5% | $5,851-46.6% |
| Admin fee / account holder | $697 | $12,125-94.3% | $10,264-93.2% | $11,599-94.0% |