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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 | $7,113 | $172,111-95.9% | $150,298-95.3% | $137,256-94.8% |
| Participation rate | 64.3% | 81.7%-17.4pp | 77.8%-13.5pp | 80.0%-15.7pp |
| Annual return | 29.61% | 69.37%-39.8pp | 62.79%-33.2pp | 220.34%-190.7pp |
| Employer contribution / active EE | $524 | $4,636-88.7% | $4,154-87.4% | $4,156-87.4% |
| Participant deferral / active EE | $2,721 | $6,166-55.9% | $5,453-50.1% | $6,407-57.5% |
| Admin fee / account holder | $307 | $16,471-98.1% | $14,116-97.8% | $12,270-97.5% |