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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 | $9,625 | $115,796-91.7% | $101,264-90.5% | $158,950-93.9% |
| Participation rate | 35.3% | 79.4%-44.1pp | 75.8%-40.5pp | 82.0%-46.7pp |
| Annual return | 33.59% | 56.15%-22.6pp | 46.48%-12.9pp | 302.91%-269.3pp |
| Employer contribution / active EE | $633 | $4,175-84.8% | $3,660-82.7% | $4,762-86.7% |
| Participant deferral / active EE | $1,597 | $4,958-67.8% | $4,370-63.5% | $5,983-73.3% |
| Admin fee / account holder | $751 | $7,247-89.6% | $5,947-87.4% | $11,248-93.3% |