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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 | $29,106 | $198,461-85.3% | $170,436-82.9% | $147,585-80.3% |
| Participation rate | 50.0% | 88.0%-38.0pp | 83.6%-33.6pp | 82.8%-32.8pp |
| Annual return | 17.77% | 257.30%-239.5pp | 205.94%-188.2pp | 578.57%-560.8pp |
| Employer contribution / active EE | $205 | $6,184-96.7% | $5,433-96.2% | $4,876-95.8% |
| Participant deferral / active EE | $3,416 | $5,629-39.3% | $4,939-30.8% | $5,439-37.2% |
| Admin fee / account holder | $2,189 | $16,852-87.0% | $13,880-84.2% | $10,885-79.9% |