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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 | $25,799 | $185,856-86.1% | $170,028-84.8% | $139,456-81.5% |
| Participation rate | 54.5% | 87.8%-33.2pp | 87.0%-32.5pp | 80.3%-25.8pp |
| Annual return | 22.81% | 60.52%-37.7pp | 53.39%-30.6pp | 373.45%-350.6pp |
| Employer contribution / active EE | $1,396 | $7,593-81.6% | $6,788-79.4% | $4,753-70.6% |
| Participant deferral / active EE | $5,700 | $11,623-51.0% | $10,409-45.2% | $6,711-15.1% |
| Admin fee / account holder | $2,265 | $15,387-85.3% | $12,820-82.3% | $11,407-80.1% |