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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 | $36,047 | $227,399-84.1% | $189,758-81.0% | $198,609-81.9% |
| Participation rate | 41.7% | 84.0%-42.3pp | 79.8%-38.1pp | 82.4%-40.7pp |
| Annual return | 14.13% | 61.03%-46.9pp | 52.62%-38.5pp | 202.70%-188.6pp |
| Employer contribution / active EE | $1,227 | $5,526-77.8% | $4,767-74.3% | $5,055-75.7% |
| Participant deferral / active EE | $5,177 | $6,837-24.3% | $5,856-11.6% | $6,977-25.8% |
| Admin fee / account holder | $1,294 | $25,162-94.9% | $20,388-93.7% | $19,030-93.2% |