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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 | $29,560 | $184,000-83.9% | $162,185-81.8% | $152,909-80.7% |
| Participation rate | 63.2% | 88.5%-25.3pp | 87.6%-24.4pp | 82.5%-19.3pp |
| Annual return | 24.75% | 150.80%-126.0pp | 115.61%-90.9pp | 345.46%-320.7pp |
| Employer contribution / active EE | $590 | $6,370-90.7% | $5,613-89.5% | $4,764-87.6% |
| Participant deferral / active EE | $2,967 | $8,033-63.1% | $7,297-59.3% | $5,851-49.3% |
| Admin fee / account holder | $1,179 | $13,124-91.0% | $10,844-89.1% | $11,601-89.8% |