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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 | $20,619 | $166,131-87.6% | $164,975-87.5% | $145,877-85.9% |
| Participation rate | 47.6% | 82.0%-34.4pp | 78.6%-31.0pp | 80.3%-32.7pp |
| Annual return | 9.77% | 100.37%-90.6pp | 70.12%-60.4pp | 551.28%-541.5pp |
| Employer contribution / active EE | $717 | $5,276-86.4% | $4,343-83.5% | $4,663-84.6% |
| Participant deferral / active EE | $3,226 | $6,962-53.7% | $6,033-46.5% | $6,691-51.8% |
| Admin fee / account holder | $434 | $16,648-97.4% | $12,688-96.6% | $13,402-96.8% |