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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 | $9,672 | $175,212-94.5% | $149,682-93.5% | $139,427-93.1% |
| Participation rate | 57.1% | 83.4%-26.2pp | 78.8%-21.6pp | 80.3%-23.2pp |
| Annual return | 24.31% | 166.63%-142.3pp | 134.35%-110.0pp | 373.27%-349.0pp |
| Employer contribution / active EE | $930 | $5,475-83.0% | $4,818-80.7% | $4,752-80.4% |
| Participant deferral / active EE | $3,039 | $6,520-53.4% | $5,681-46.5% | $6,711-54.7% |
| Admin fee / account holder | $738 | $16,150-95.4% | $13,210-94.4% | $11,404-93.5% |