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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 | $18,599 | $176,105-89.4% | $159,474-88.3% | $167,536-88.9% |
| Participation rate | 61.9% | 85.0%-23.0pp | 82.8%-20.9pp | 82.1%-20.2pp |
| Annual return | 10.67% | 331.91%-321.2pp | 263.68%-253.0pp | 478.82%-468.1pp |
| Employer contribution / active EE | $881 | $5,299-83.4% | $4,831-81.8% | $4,839-81.8% |
| Participant deferral / active EE | $2,772 | $7,751-64.2% | $7,353-62.3% | $6,342-56.3% |
| Admin fee / account holder | $5,959 | $12,559-52.6% | $10,802-44.8% | $12,315-51.6% |