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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 | $6,634 | $175,259-96.2% | $149,723-95.6% | $139,487-95.2% |
| Participation rate | 36.4% | 83.4%-47.0pp | 78.8%-42.4pp | 80.3%-44.0pp |
| Annual return | 19.65% | 166.82%-147.2pp | 134.50%-114.8pp | 373.84%-354.2pp |
| Employer contribution / active EE | $1,022 | $5,478-81.3% | $4,821-78.8% | $4,755-78.5% |
| Participant deferral / active EE | $1,966 | $6,522-69.9% | $5,682-65.4% | $6,713-70.7% |
| Admin fee / account holder | $2,679 | $16,158-83.4% | $13,215-79.7% | $11,407-76.5% |