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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 | $18,201 | $65,582-72.2% | $64,097-71.6% | $71,529-74.6% |
| Participation rate | 68.1% | 73.2%-5.0pp | 72.3%-4.2pp | 67.9%+0.2pp |
| Annual return | 94.60% | 18.96%+75.6pp | 33.75%+60.9pp | 28.97%+65.6pp |
| Employer contribution / active EE | $571 | $2,671-78.6% | $2,750-79.2% | $2,590-78.0% |
| Participant deferral / active EE | $2,179 | $3,628-39.9% | $3,881-43.9% | $4,291-49.2% |
| Admin fee / account holder | $821 | $616+33.3% | $3,070-73.2% | $1,588-48.3% |