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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 | $25,992 | $198,462-86.9% | $170,439-84.8% | $147,585-82.4% |
| Participation rate | 66.7% | 88.0%-21.3pp | 83.6%-16.9pp | 82.8%-16.2pp |
| Annual return | 17.73% | 257.30%-239.6pp | 205.94%-188.2pp | 578.58%-560.9pp |
| Employer contribution / active EE | $964 | $6,184-84.4% | $5,433-82.3% | $4,876-80.2% |
| Participant deferral / active EE | $2,470 | $5,629-56.1% | $4,939-50.0% | $5,439-54.6% |
| Admin fee / account holder | $360 | $16,852-97.9% | $13,881-97.4% | $10,886-96.7% |