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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 | $19,456 | $162,821-88.1% | $133,978-85.5% | $158,982-87.8% |
| Participation rate | 52.2% | 83.2%-31.1pp | 79.8%-27.7pp | 82.0%-29.8pp |
| Annual return | 11.42% | 41.95%-30.5pp | 45.10%-33.7pp | 302.99%-291.6pp |
| Employer contribution / active EE | $657 | $4,976-86.8% | $3,919-83.2% | $4,763-86.2% |
| Participant deferral / active EE | $2,046 | $5,910-65.4% | $5,047-59.5% | $5,983-65.8% |
| Admin fee / account holder | $7,107 | $11,742-39.5% | $8,930-20.4% | $11,252-36.8% |