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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 | $28,216 | $196,972-85.7% | $182,262-84.5% | $198,609-85.8% |
| Participation rate | 50.0% | 85.7%-35.7pp | 84.2%-34.2pp | 82.4%-32.4pp |
| Annual return | 18.91% | 158.27%-139.4pp | 140.60%-121.7pp | 202.70%-183.8pp |
| Employer contribution / active EE | $1,332 | $5,364-75.2% | $5,046-73.6% | $5,055-73.7% |
| Participant deferral / active EE | $4,130 | $8,643-52.2% | $8,276-50.1% | $6,977-40.8% |
| Admin fee / account holder | $624 | $18,429-96.6% | $16,712-96.3% | $19,030-96.7% |