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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 | $19,695 | $198,462-90.1% | $170,439-88.4% | $147,585-86.7% |
| Participation rate | 60.9% | 88.0%-27.1pp | 83.6%-22.7pp | 82.8%-22.0pp |
| Annual return | 16.84% | 257.30%-240.5pp | 205.94%-189.1pp | 578.58%-561.7pp |
| Employer contribution / active EE | $1,160 | $6,184-81.2% | $5,433-78.7% | $4,876-76.2% |
| Participant deferral / active EE | $2,060 | $5,629-63.4% | $4,939-58.3% | $5,439-62.1% |
| Admin fee / account holder | $314 | $16,852-98.1% | $13,881-97.7% | $10,886-97.1% |