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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 | $32,143 | $171,867-81.3% | $149,721-78.5% | $147,586-78.2% |
| Participation rate | 30.0% | 88.2%-58.2pp | 87.1%-57.1pp | 82.8%-52.8pp |
| Annual return | 16.05% | 2113.36%-2097.3pp | 1501.67%-1485.6pp | 578.59%-562.5pp |
| Employer contribution / active EE | $1,307 | $6,275-79.2% | $5,444-76.0% | $4,876-73.2% |
| Participant deferral / active EE | $2,692 | $7,270-63.0% | $6,568-59.0% | $5,439-50.5% |
| Admin fee / account holder | $839 | $13,799-93.9% | $11,282-92.6% | $10,886-92.3% |