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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 | $24,773 | $196,972-87.4% | $182,262-86.4% | $198,609-87.5% |
| Participation rate | 53.8% | 85.7%-31.9pp | 84.2%-30.4pp | 82.4%-28.5pp |
| Annual return | 22.17% | 158.27%-136.1pp | 140.60%-118.4pp | 202.70%-180.5pp |
| Employer contribution / active EE | $1,341 | $5,364-75.0% | $5,046-73.4% | $5,055-73.5% |
| Participant deferral / active EE | $3,868 | $8,643-55.2% | $8,276-53.3% | $6,977-44.6% |
| Admin fee / account holder | $348 | $18,429-98.1% | $16,712-97.9% | $19,030-98.2% |