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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 | $19,811 | $226,135-91.2% | $182,558-89.1% | $152,909-87.0% |
| Participation rate | 9.1% | 82.5%-73.4pp | 78.0%-68.9pp | 82.5%-73.4pp |
| Annual return | 20.85% | 192.60%-171.8pp | 148.59%-127.7pp | 345.46%-324.6pp |
| Employer contribution / active EE | $0 | $4,979-100.0% | $4,076-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $11,658 | $6,371+83.0% | $5,526+111.0% | $5,851+99.2% |
| Admin fee / account holder | $1,907 | $10,707-82.2% | $8,594-77.8% | $11,601-83.6% |