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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 | $19,609 | $209,425-90.6% | $178,499-89.0% | $158,966-87.7% |
| Participation rate | 30.4% | 86.4%-55.9pp | 81.9%-51.5pp | 82.0%-51.5pp |
| Annual return | 27.21% | 188.80%-161.6pp | 151.10%-123.9pp | 302.95%-275.7pp |
| Employer contribution / active EE | $916 | $5,707-84.0% | $5,011-81.7% | $4,762-80.8% |
| Participant deferral / active EE | $2,507 | $5,955-57.9% | $5,202-51.8% | $5,983-58.1% |
| Admin fee / account holder | $624 | $17,078-96.3% | $13,986-95.5% | $11,250-94.5% |