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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 | $9,712 | $129,737-92.5% | $119,126-91.8% | $154,746-93.7% |
| Participation rate | 61.1% | 78.9%-17.7pp | 75.8%-14.6pp | 80.7%-19.6pp |
| Annual return | 18.69% | 379.08%-360.4pp | 282.11%-263.4pp | 172.34%-153.6pp |
| Employer contribution / active EE | $861 | $4,375-80.3% | $4,034-78.7% | $4,379-80.3% |
| Participant deferral / active EE | $2,293 | $5,842-60.8% | $5,318-56.9% | $6,730-65.9% |
| Admin fee / account holder | $709 | $11,961-94.1% | $10,693-93.4% | $14,365-95.1% |