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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 | $20,617 | $165,361-87.5% | $149,715-86.2% | $158,950-87.0% |
| Participation rate | 26.7% | 84.6%-57.9pp | 82.5%-55.8pp | 82.0%-55.3pp |
| Annual return | 30.16% | 348.24%-318.1pp | 276.66%-246.5pp | 302.91%-272.7pp |
| Employer contribution / active EE | $598 | $5,103-88.3% | $4,645-87.1% | $4,762-87.4% |
| Participant deferral / active EE | $3,202 | $7,182-55.4% | $6,842-53.2% | $5,983-46.5% |
| Admin fee / account holder | $5,332 | $10,808-50.7% | $9,310-42.7% | $11,248-52.6% |