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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 | $16,133 | $178,174-90.9% | $156,181-89.7% | $137,256-88.2% |
| Participation rate | 54.5% | 82.0%-27.5pp | 78.8%-24.3pp | 80.0%-25.4pp |
| Annual return | 15.63% | 84.19%-68.6pp | 64.87%-49.2pp | 220.34%-204.7pp |
| Employer contribution / active EE | $581 | $4,972-88.3% | $4,294-86.5% | $4,156-86.0% |
| Participant deferral / active EE | $2,265 | $6,888-67.1% | $6,132-63.1% | $6,407-64.6% |
| Admin fee / account holder | $2,374 | $17,404-86.4% | $14,586-83.7% | $12,270-80.7% |