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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 | $8,768 | $114,119-92.3% | $107,187-91.8% | $138,895-93.7% |
| Participation rate | 60.0% | 78.1%-18.1pp | 75.0%-15.0pp | 79.9%-19.9pp |
| Annual return | 23.15% | 273.21%-250.1pp | 204.55%-181.4pp | 145.39%-122.2pp |
| Employer contribution / active EE | $701 | $4,059-82.7% | $3,782-81.5% | $4,194-83.3% |
| Participant deferral / active EE | $1,590 | $5,538-71.3% | $5,096-68.8% | $6,396-75.1% |
| Admin fee / account holder | $611 | $10,024-93.9% | $9,162-93.3% | $12,562-95.1% |