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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 | $18,194 | $154,159-88.2% | $130,026-86.0% | $139,456-87.0% |
| Participation rate | 69.2% | 82.0%-12.7pp | 78.5%-9.3pp | 80.3%-11.1pp |
| Annual return | 24.68% | 32.50%-7.8pp | -137.26%+161.9pp | 373.45%-348.8pp |
| Employer contribution / active EE | $804 | $5,292-84.8% | $4,321-81.4% | $4,753-83.1% |
| Participant deferral / active EE | $5,320 | $6,710-20.7% | $5,821-8.6% | $6,711-20.7% |
| Admin fee / account holder | $516 | $14,001-96.3% | $10,608-95.1% | $11,407-95.5% |