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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 | $15,627 | $165,399-90.6% | $149,745-89.6% | $158,982-90.2% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 21.28% | 348.34%-327.1pp | 276.72%-255.4pp | 302.99%-281.7pp |
| Employer contribution / active EE | $765 | $5,105-85.0% | $4,646-83.5% | $4,763-83.9% |
| Participant deferral / active EE | $6,223 | $7,183-13.4% | $6,843-9.1% | $5,983+4.0% |
| Admin fee / account holder | $2,162 | $10,811-80.0% | $9,312-76.8% | $11,252-80.8% |