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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 | $31,195 | $171,492-81.8% | $150,734-79.3% | $198,609-84.3% |
| Participation rate | 47.1% | 81.4%-34.4pp | 78.4%-31.4pp | 82.4%-35.3pp |
| Annual return | 19.51% | 804.70%-785.2pp | 600.81%-581.3pp | 202.70%-183.2pp |
| Employer contribution / active EE | $1,014 | $5,470-81.5% | $4,918-79.4% | $5,055-80.0% |
| Participant deferral / active EE | $2,819 | $6,259-55.0% | $5,610-49.7% | $6,977-59.6% |
| Admin fee / account holder | $654 | $17,628-96.3% | $14,905-95.6% | $19,030-96.6% |