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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 | $23,037 | $209,422-89.0% | $178,503-87.1% | $158,982-85.5% |
| Participation rate | 42.9% | 86.4%-43.5pp | 81.9%-39.1pp | 82.0%-39.1pp |
| Annual return | 28.62% | 188.81%-160.2pp | 151.12%-122.5pp | 302.99%-274.4pp |
| Employer contribution / active EE | $682 | $5,707-88.0% | $5,011-86.4% | $4,763-85.7% |
| Participant deferral / active EE | $3,145 | $5,955-47.2% | $5,202-39.6% | $5,983-47.4% |
| Admin fee / account holder | $2,020 | $17,079-88.2% | $13,987-85.6% | $11,252-82.0% |