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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 | $5,268 | $126,519-95.8% | $106,201-95.0% | $145,959-96.4% |
| Participation rate | 53.8% | 77.7%-23.8pp | 75.3%-21.4pp | 80.3%-26.4pp |
| Annual return | 12.78% | 225.10%-212.3pp | 116.26%-103.5pp | 561.95%-549.2pp |
| Employer contribution / active EE | $264 | $3,726-92.9% | $3,170-91.7% | $4,661-94.3% |
| Participant deferral / active EE | $2,187 | $5,716-61.7% | $5,012-56.4% | $6,689-67.3% |
| Admin fee / account holder | $1,759 | $17,312-89.8% | $11,039-84.1% | $13,398-86.9% |