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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 | $8,655 | $175,231-95.1% | $149,696-94.2% | $139,466-93.8% |
| Participation rate | 25.0% | 83.4%-58.4pp | 78.8%-53.8pp | 80.3%-55.3pp |
| Annual return | 32.33% | 166.77%-134.4pp | 134.46%-102.1pp | 373.66%-341.3pp |
| Employer contribution / active EE | $1,058 | $5,478-80.7% | $4,821-78.0% | $4,754-77.7% |
| Participant deferral / active EE | $2,331 | $6,521-64.3% | $5,682-59.0% | $6,712-65.3% |
| Admin fee / account holder | $2,921 | $16,155-81.9% | $13,212-77.9% | $11,409-74.4% |