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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 | $30,886 | $197,625-84.4% | $177,840-82.6% | $158,966-80.6% |
| Participation rate | 50.0% | 88.5%-38.5pp | 87.7%-37.7pp | 82.0%-32.0pp |
| Annual return | 20.38% | 58.76%-38.4pp | 48.32%-27.9pp | 302.95%-282.6pp |
| Employer contribution / active EE | $1,309 | $6,698-80.5% | $5,919-77.9% | $4,762-72.5% |
| Participant deferral / active EE | $4,061 | $8,405-51.7% | $7,714-47.3% | $5,983-32.1% |
| Admin fee / account holder | $1,242 | $15,405-91.9% | $12,431-90.0% | $11,250-89.0% |