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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 | $22,945 | $95,453-76.0% | $112,040-79.5% | $82,448-72.2% |
| Participation rate | 68.6% | 72.8%-4.1pp | 76.5%-7.9pp | 68.1%+0.6pp |
| Annual return | 415.24% | 23.92%+391.3pp | 24.52%+390.7pp | 41.64%+373.6pp |
| Employer contribution / active EE | $672 | $2,318-71.0% | $2,954-77.2% | $2,551-73.6% |
| Participant deferral / active EE | $2,246 | $4,224-46.8% | $5,098-55.9% | $4,139-45.7% |
| Admin fee / account holder | $2,207 | $9,013-75.5% | $12,098-81.8% | $7,234-69.5% |