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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 | $22,170 | $168,635-86.9% | $147,617-85.0% | $125,389-82.3% |
| Participation rate | 41.7% | 88.8%-47.1pp | 84.6%-43.0pp | 83.2%-41.5pp |
| Annual return | 1.89% | 77.65%-75.8pp | 61.98%-60.1pp | 282.24%-280.3pp |
| Employer contribution / active EE | $955 | $6,252-84.7% | $5,564-82.8% | $4,866-80.4% |
| Participant deferral / active EE | $3,527 | $5,507-36.0% | $4,895-28.0% | $5,352-34.1% |
| Admin fee / account holder | $2,860 | $13,580-78.9% | $11,612-75.4% | $9,541-70.0% |