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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 | $23,840 | $209,425-88.6% | $178,499-86.6% | $158,966-85.0% |
| Participation rate | 45.5% | 86.4%-40.9pp | 81.9%-36.5pp | 82.0%-36.5pp |
| Annual return | 14.10% | 188.80%-174.7pp | 151.10%-137.0pp | 302.95%-288.8pp |
| Employer contribution / active EE | $423 | $5,707-92.6% | $5,011-91.5% | $4,762-91.1% |
| Participant deferral / active EE | $2,903 | $5,955-51.2% | $5,202-44.2% | $5,983-51.5% |
| Admin fee / account holder | $490 | $17,078-97.1% | $13,986-96.5% | $11,250-95.6% |