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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 | $8,019 | $175,259-95.4% | $149,723-94.6% | $139,487-94.3% |
| Participation rate | 62.5% | 83.4%-20.9pp | 78.8%-16.3pp | 80.3%-17.8pp |
| Annual return | 26.88% | 166.82%-139.9pp | 134.50%-107.6pp | 373.84%-347.0pp |
| Employer contribution / active EE | $988 | $5,478-82.0% | $4,821-79.5% | $4,755-79.2% |
| Participant deferral / active EE | $2,071 | $6,522-68.2% | $5,682-63.6% | $6,713-69.2% |
| Admin fee / account holder | $400 | $16,158-97.5% | $13,215-97.0% | $11,407-96.5% |