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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 | $19,572 | $209,425-90.7% | $178,499-89.0% | $158,966-87.7% |
| Participation rate | 36.4% | 86.4%-50.0pp | 81.9%-45.6pp | 82.0%-45.6pp |
| Annual return | 18.29% | 188.80%-170.5pp | 151.10%-132.8pp | 302.95%-284.7pp |
| Employer contribution / active EE | $1,127 | $5,707-80.2% | $5,011-77.5% | $4,762-76.3% |
| Participant deferral / active EE | $4,586 | $5,955-23.0% | $5,202-11.9% | $5,983-23.4% |
| Admin fee / account holder | $834 | $17,078-95.1% | $13,986-94.0% | $11,250-92.6% |