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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 | $7,726 | $183,516-95.8% | $155,534-95.0% | $145,884-94.7% |
| Participation rate | 58.3% | 82.7%-24.4pp | 78.2%-19.9pp | 80.3%-22.0pp |
| Annual return | 34.65% | 61.43%-26.8pp | 64.92%-30.3pp | 551.85%-517.2pp |
| Employer contribution / active EE | $878 | $5,315-83.5% | $4,675-81.2% | $4,662-81.2% |
| Participant deferral / active EE | $2,241 | $6,467-65.3% | $5,630-60.2% | $6,690-66.5% |
| Admin fee / account holder | $703 | $19,293-96.4% | $15,900-95.6% | $13,392-94.8% |