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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 | $25,099 | $217,432-88.5% | $185,849-86.5% | $167,536-85.0% |
| Participation rate | 46.2% | 86.1%-39.9pp | 81.7%-35.6pp | 82.1%-36.0pp |
| Annual return | 14.38% | 148.42%-134.0pp | 122.10%-107.7pp | 478.82%-464.4pp |
| Employer contribution / active EE | $1,069 | $5,875-81.8% | $5,169-79.3% | $4,839-77.9% |
| Participant deferral / active EE | $3,127 | $6,357-50.8% | $5,569-43.8% | $6,342-50.7% |
| Admin fee / account holder | $9,187 | $19,818-53.6% | $16,244-43.4% | $12,315-25.4% |