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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 | $27,502 | $209,425-86.9% | $178,499-84.6% | $158,966-82.7% |
| Participation rate | 36.8% | 86.4%-49.5pp | 81.9%-45.1pp | 82.0%-45.1pp |
| Annual return | 28.75% | 188.80%-160.0pp | 151.10%-122.4pp | 302.95%-274.2pp |
| Employer contribution / active EE | $441 | $5,707-92.3% | $5,011-91.2% | $4,762-90.8% |
| Participant deferral / active EE | $2,387 | $5,955-59.9% | $5,202-54.1% | $5,983-60.1% |
| Admin fee / account holder | $512 | $17,078-97.0% | $13,986-96.3% | $11,250-95.5% |