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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 | $5,174 | $148,558-96.5% | $135,925-96.2% | $139,427-96.3% |
| Participation rate | 45.5% | 83.9%-38.4pp | 81.9%-36.5pp | 80.3%-34.9pp |
| Annual return | 22.22% | 79.22%-57.0pp | 68.25%-46.0pp | 373.27%-351.0pp |
| Employer contribution / active EE | $890 | $5,244-83.0% | $4,857-81.7% | $4,752-81.3% |
| Participant deferral / active EE | $3,124 | $8,101-61.4% | $7,759-59.7% | $6,711-53.5% |
| Admin fee / account holder | $967 | $12,401-92.2% | $10,764-91.0% | $11,404-91.5% |