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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 | $17,505 | $217,432-91.9% | $185,851-90.6% | $167,553-89.6% |
| Participation rate | 50.0% | 86.1%-36.1pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | 17.14% | 148.43%-131.3pp | 122.11%-105.0pp | 478.89%-461.8pp |
| Employer contribution / active EE | $1,146 | $5,874-80.5% | $5,168-77.8% | $4,840-76.3% |
| Participant deferral / active EE | $6,611 | $6,357+4.0% | $5,569+18.7% | $6,343+4.2% |
| Admin fee / account holder | $1,914 | $19,820-90.3% | $16,245-88.2% | $12,316-84.5% |