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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 | $29,922 | $209,425-85.7% | $178,499-83.2% | $158,966-81.2% |
| Participation rate | 13.0% | 86.4%-73.3pp | 81.9%-68.9pp | 82.0%-68.9pp |
| Annual return | 8.18% | 188.80%-180.6pp | 151.10%-142.9pp | 302.95%-294.8pp |
| Employer contribution / active EE | $124 | $5,707-97.8% | $5,011-97.5% | $4,762-97.4% |
| Participant deferral / active EE | $2,430 | $5,955-59.2% | $5,202-53.3% | $5,983-59.4% |
| Admin fee / account holder | $3,468 | $17,078-79.7% | $13,986-75.2% | $11,250-69.2% |