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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 | $33,109 | $183,988-82.0% | $162,177-79.6% | $152,897-78.3% |
| Participation rate | 31.3% | 88.5%-57.3pp | 87.6%-56.3pp | 82.5%-51.2pp |
| Annual return | 25.30% | 150.79%-125.5pp | 115.60%-90.3pp | 345.43%-320.1pp |
| Employer contribution / active EE | $691 | $6,370-89.2% | $5,613-87.7% | $4,764-85.5% |
| Participant deferral / active EE | $2,989 | $8,032-62.8% | $7,297-59.0% | $5,851-48.9% |
| Admin fee / account holder | $408 | $13,123-96.9% | $10,843-96.2% | $11,599-96.5% |