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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 | $10,075 | $175,257-94.3% | $149,717-93.3% | $139,456-92.8% |
| Participation rate | 55.6% | 83.4%-27.8pp | 78.8%-23.2pp | 80.3%-24.8pp |
| Annual return | 21.43% | 166.70%-145.3pp | 134.41%-113.0pp | 373.45%-352.0pp |
| Employer contribution / active EE | $909 | $5,477-83.4% | $4,820-81.1% | $4,753-80.9% |
| Participant deferral / active EE | $2,253 | $6,521-65.5% | $5,682-60.3% | $6,711-66.4% |
| Admin fee / account holder | $466 | $16,156-97.1% | $13,213-96.5% | $11,407-95.9% |