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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 | $8,063 | $174,379-95.4% | $152,093-94.7% | $138,895-94.2% |
| Participation rate | 62.5% | 81.6%-19.1pp | 77.8%-15.3pp | 79.9%-17.4pp |
| Annual return | 39.67% | 74.86%-35.2pp | 66.36%-26.7pp | 145.39%-105.7pp |
| Employer contribution / active EE | $805 | $4,652-82.7% | $4,175-80.7% | $4,194-80.8% |
| Participant deferral / active EE | $3,443 | $6,159-44.1% | $5,451-36.8% | $6,396-46.2% |
| Admin fee / account holder | $845 | $16,880-95.0% | $14,497-94.2% | $12,562-93.3% |