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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 | $12,164 | $107,368-88.7% | $92,915-86.9% | $152,909-92.0% |
| Participation rate | 38.1% | 79.8%-41.7pp | 76.0%-37.9pp | 82.5%-44.4pp |
| Annual return | 25.16% | 145.64%-120.5pp | 109.45%-84.3pp | 345.46%-320.3pp |
| Employer contribution / active EE | $454 | $4,222-89.2% | $3,653-87.6% | $4,764-90.5% |
| Participant deferral / active EE | $2,831 | $4,848-41.6% | $4,238-33.2% | $5,851-51.6% |
| Admin fee / account holder | $1,514 | $7,082-78.6% | $5,796-73.9% | $11,601-86.9% |