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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 | $27,126 | $209,428-87.0% | $178,498-84.8% | $158,950-82.9% |
| Participation rate | 45.5% | 86.4%-40.9pp | 81.9%-36.5pp | 82.0%-36.5pp |
| Annual return | 22.07% | 188.78%-166.7pp | 151.09%-129.0pp | 302.91%-280.8pp |
| Employer contribution / active EE | $1,085 | $5,707-81.0% | $5,011-78.3% | $4,762-77.2% |
| Participant deferral / active EE | $2,328 | $5,955-60.9% | $5,202-55.2% | $5,983-61.1% |
| Admin fee / account holder | $5,550 | $17,077-67.5% | $13,985-60.3% | $11,248-50.7% |