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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 | $15,159 | $209,425-92.8% | $178,499-91.5% | $158,966-90.5% |
| Participation rate | 63.6% | 86.4%-22.7pp | 81.9%-18.3pp | 82.0%-18.3pp |
| Annual return | 16.85% | 188.80%-171.9pp | 151.10%-134.3pp | 302.95%-286.1pp |
| Employer contribution / active EE | $864 | $5,707-84.9% | $5,011-82.8% | $4,762-81.9% |
| Participant deferral / active EE | $3,001 | $5,955-49.6% | $5,202-42.3% | $5,983-49.8% |
| Admin fee / account holder | $4,511 | $17,078-73.6% | $13,986-67.7% | $11,250-59.9% |