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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 | $26,687 | $198,457-86.6% | $170,435-84.3% | $147,586-81.9% |
| Participation rate | 52.4% | 88.0%-35.6pp | 83.6%-31.2pp | 82.8%-30.4pp |
| Annual return | 23.28% | 257.30%-234.0pp | 205.94%-182.7pp | 578.59%-555.3pp |
| Employer contribution / active EE | $747 | $6,183-87.9% | $5,432-86.2% | $4,876-84.7% |
| Participant deferral / active EE | $2,246 | $5,629-60.1% | $4,939-54.5% | $5,439-58.7% |
| Admin fee / account holder | $537 | $16,852-96.8% | $13,881-96.1% | $10,886-95.1% |