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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 | $18,650 | $217,432-91.4% | $185,849-90.0% | $167,536-88.9% |
| Participation rate | 61.1% | 86.1%-24.9pp | 81.7%-20.6pp | 82.1%-21.0pp |
| Annual return | 15.50% | 148.42%-132.9pp | 122.10%-106.6pp | 478.82%-463.3pp |
| Employer contribution / active EE | $750 | $5,875-87.2% | $5,169-85.5% | $4,839-84.5% |
| Participant deferral / active EE | $2,540 | $6,357-60.1% | $5,569-54.4% | $6,342-60.0% |
| Admin fee / account holder | $899 | $19,818-95.5% | $16,244-94.5% | $12,315-92.7% |