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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 | $29,955 | $223,823-86.6% | $211,142-85.8% | $154,746-80.6% |
| Participation rate | 54.2% | 87.9%-33.7pp | 87.3%-33.1pp | 80.7%-26.5pp |
| Annual return | 16.95% | 50.39%-33.4pp | 46.84%-29.9pp | 172.34%-155.4pp |
| Employer contribution / active EE | $191 | $6,787-97.2% | $6,442-97.0% | $4,379-95.6% |
| Participant deferral / active EE | $3,445 | $9,750-64.7% | $9,284-62.9% | $6,730-48.8% |
| Admin fee / account holder | $5,458 | $19,707-72.3% | $19,076-71.4% | $14,365-62.0% |