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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 | $30,873 | $198,462-84.4% | $170,439-81.9% | $147,585-79.1% |
| Participation rate | 30.0% | 88.0%-58.0pp | 83.6%-53.6pp | 82.8%-52.8pp |
| Annual return | 11.61% | 257.30%-245.7pp | 205.94%-194.3pp | 578.58%-567.0pp |
| Employer contribution / active EE | $1,112 | $6,184-82.0% | $5,433-79.5% | $4,876-77.2% |
| Participant deferral / active EE | $2,342 | $5,629-58.4% | $4,939-52.6% | $5,439-56.9% |
| Admin fee / account holder | $2,000 | $16,852-88.1% | $13,881-85.6% | $10,886-81.6% |