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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 | $13,352 | $202,460-93.4% | $169,385-92.1% | $139,456-90.4% |
| Participation rate | 25.0% | 81.1%-56.1pp | 77.2%-52.2pp | 80.3%-55.3pp |
| Annual return | 17.84% | 532.07%-514.2pp | 405.82%-388.0pp | 373.45%-355.6pp |
| Employer contribution / active EE | $504 | $4,691-89.3% | $4,012-87.4% | $4,753-89.4% |
| Participant deferral / active EE | $1,614 | $6,938-76.7% | $6,221-74.1% | $6,711-76.0% |
| Admin fee / account holder | $2,413 | $10,719-77.5% | $9,011-73.2% | $11,407-78.8% |