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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 | $10,065 | $80,992-87.6% | $96,534-89.6% | $75,173-86.6% |
| Participation rate | 57.1% | 71.8%-14.6pp | 76.0%-18.8pp | 67.2%-10.1pp |
| Annual return | 29.93% | 27.05%+2.9pp | 25.88%+4.0pp | 160.72%-130.8pp |
| Employer contribution / active EE | $7 | $2,283-99.7% | $2,965-99.8% | $2,671-99.7% |
| Participant deferral / active EE | $5,103 | $3,929+29.9% | $4,851+5.2% | $4,126+23.7% |
| Admin fee / account holder | $1,273 | $6,717-81.0% | $8,253-84.6% | $5,651-77.5% |