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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 | $25,262 | $144,130-82.5% | $117,861-78.6% | $147,586-82.9% |
| Participation rate | 28.6% | 83.4%-54.9pp | 79.7%-51.1pp | 82.8%-54.3pp |
| Annual return | 20.05% | 531.20%-511.1pp | 335.11%-315.1pp | 578.59%-558.5pp |
| Employer contribution / active EE | $677 | $4,897-86.2% | $3,786-82.1% | $4,876-86.1% |
| Participant deferral / active EE | $2,523 | $5,316-52.5% | $4,482-43.7% | $5,439-53.6% |
| Admin fee / account holder | $1,476 | $10,887-86.4% | $8,021-81.6% | $10,886-86.4% |