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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 | $20,119 | $165,361-87.8% | $149,715-86.6% | $158,950-87.3% |
| Participation rate | 68.2% | 84.6%-16.4pp | 82.5%-14.3pp | 82.0%-13.8pp |
| Annual return | 38.63% | 348.24%-309.6pp | 276.66%-238.0pp | 302.91%-264.3pp |
| Employer contribution / active EE | $716 | $5,103-86.0% | $4,645-84.6% | $4,762-85.0% |
| Participant deferral / active EE | $4,774 | $7,182-33.5% | $6,842-30.2% | $5,983-20.2% |
| Admin fee / account holder | $5,190 | $10,808-52.0% | $9,310-44.3% | $11,248-53.9% |