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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 | $3,277 | $175,257-98.1% | $149,717-97.8% | $139,456-97.6% |
| Participation rate | 42.9% | 83.4%-40.5pp | 78.8%-35.9pp | 80.3%-37.5pp |
| Annual return | 17.90% | 166.70%-148.8pp | 134.41%-116.5pp | 373.45%-355.5pp |
| Employer contribution / active EE | $501 | $5,477-90.9% | $4,820-89.6% | $4,753-89.5% |
| Participant deferral / active EE | $2,084 | $6,521-68.0% | $5,682-63.3% | $6,711-68.9% |
| Admin fee / account holder | $1,223 | $16,156-92.4% | $13,213-90.7% | $11,407-89.3% |