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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 | $11,305 | $157,304-92.8% | $141,197-92.0% | $152,909-92.6% |
| Participation rate | 64.7% | 84.8%-20.1pp | 82.5%-17.8pp | 82.5%-17.7pp |
| Annual return | 22.18% | 64.34%-42.2pp | 71.41%-49.2pp | 345.46%-323.3pp |
| Employer contribution / active EE | $667 | $5,263-87.3% | $4,736-85.9% | $4,764-86.0% |
| Participant deferral / active EE | $2,377 | $7,111-66.6% | $6,710-64.6% | $5,851-59.4% |
| Admin fee / account holder | $804 | $12,126-93.4% | $10,265-92.2% | $11,601-93.1% |