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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 | $22,666 | $83,843-73.0% | $123,973-81.7% | $65,306-65.3% |
| Participation rate | 67.0% | 56.0%+11.0pp | 76.7%-9.7pp | 57.7%+9.3pp |
| Annual return | 36.02% | 19.87%+16.1pp | 388.13%-352.1pp | 21.94%+14.1pp |
| Employer contribution / active EE | $0 | $2,873-100.0% | $4,126-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $4,065 | $2,997+35.6% | $5,247-22.5% | $2,959+37.4% |
| Admin fee / account holder | $518 | $4,735-89.1% | $11,799-95.6% | $3,480-85.1% |