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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 | $20,402 | $198,462-89.7% | $170,439-88.0% | $147,585-86.2% |
| Participation rate | 65.2% | 88.0%-22.8pp | 83.6%-18.4pp | 82.8%-17.6pp |
| Annual return | 43.87% | 257.30%-213.4pp | 205.94%-162.1pp | 578.58%-534.7pp |
| Employer contribution / active EE | $928 | $6,184-85.0% | $5,433-82.9% | $4,876-81.0% |
| Participant deferral / active EE | $2,479 | $5,629-56.0% | $4,939-49.8% | $5,439-54.4% |
| Admin fee / account holder | $1,949 | $16,852-88.4% | $13,881-86.0% | $10,886-82.1% |