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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 | $15,280 | $176,105-91.3% | $159,474-90.4% | $167,536-90.9% |
| Participation rate | 58.8% | 85.0%-26.1pp | 82.8%-24.0pp | 82.1%-23.3pp |
| Annual return | 18.52% | 331.91%-313.4pp | 263.68%-245.2pp | 478.82%-460.3pp |
| Employer contribution / active EE | $883 | $5,299-83.3% | $4,831-81.7% | $4,839-81.8% |
| Participant deferral / active EE | $4,744 | $7,751-38.8% | $7,353-35.5% | $6,342-25.2% |
| Admin fee / account holder | $755 | $12,559-94.0% | $10,802-93.0% | $12,315-93.9% |