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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 | $18,699 | $217,427-91.4% | $185,837-89.9% | $167,518-88.8% |
| Participation rate | 54.5% | 86.0%-31.5pp | 81.7%-27.2pp | 82.1%-27.6pp |
| Annual return | 17.06% | 148.39%-131.3pp | 122.08%-105.0pp | 478.71%-461.7pp |
| Employer contribution / active EE | $752 | $5,874-87.2% | $5,168-85.5% | $4,838-84.5% |
| Participant deferral / active EE | $2,604 | $6,357-59.0% | $5,568-53.2% | $6,342-58.9% |
| Admin fee / account holder | $4,366 | $19,816-78.0% | $16,241-73.1% | $12,312-64.5% |