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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 | $16,507 | $89,259-81.5% | $107,187-84.6% | $82,637-80.0% |
| Participation rate | 62.9% | 67.9%-5.1pp | 75.0%-12.2pp | 68.1%-5.2pp |
| Annual return | 18.72% | 21.02%-2.3pp | 204.55%-185.8pp | 53.51%-34.8pp |
| Employer contribution / active EE | $719 | $3,080-76.6% | $3,782-81.0% | $2,552-71.8% |
| Participant deferral / active EE | $2,225 | $4,037-44.9% | $5,096-56.3% | $4,126-46.1% |
| Admin fee / account holder | $682 | $7,381-90.8% | $9,162-92.6% | $7,339-90.7% |