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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 | $15,849 | $198,457-92.0% | $170,435-90.7% | $147,586-89.3% |
| Participation rate | 27.8% | 88.0%-60.2pp | 83.6%-55.8pp | 82.8%-55.1pp |
| Annual return | 15.75% | 257.30%-241.6pp | 205.94%-190.2pp | 578.59%-562.8pp |
| Employer contribution / active EE | $676 | $6,183-89.1% | $5,432-87.5% | $4,876-86.1% |
| Participant deferral / active EE | $3,295 | $5,629-41.5% | $4,939-33.3% | $5,439-39.4% |
| Admin fee / account holder | $1,609 | $16,852-90.5% | $13,881-88.4% | $10,886-85.2% |