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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 | $37,563 | $227,399-83.5% | $189,758-80.2% | $198,609-81.1% |
| Participation rate | 42.9% | 84.0%-41.1pp | 79.8%-36.9pp | 82.4%-39.5pp |
| Annual return | 21.35% | 61.03%-39.7pp | 52.62%-31.3pp | 202.70%-181.4pp |
| Employer contribution / active EE | $1,017 | $5,526-81.6% | $4,767-78.7% | $5,055-79.9% |
| Participant deferral / active EE | $4,898 | $6,837-28.4% | $5,856-16.4% | $6,977-29.8% |
| Admin fee / account holder | $4,820 | $25,162-80.8% | $20,388-76.4% | $19,030-74.7% |