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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 | $22,290 | $165,399-86.5% | $149,745-85.1% | $158,982-86.0% |
| Participation rate | 60.0% | 84.6%-24.6pp | 82.5%-22.5pp | 82.0%-22.0pp |
| Annual return | 36.23% | 348.34%-312.1pp | 276.72%-240.5pp | 302.99%-266.8pp |
| Employer contribution / active EE | $844 | $5,105-83.5% | $4,646-81.8% | $4,763-82.3% |
| Participant deferral / active EE | $3,389 | $7,183-52.8% | $6,843-50.5% | $5,983-43.4% |
| Admin fee / account holder | $1,450 | $10,811-86.6% | $9,312-84.4% | $11,252-87.1% |