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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 | $26,301 | $217,427-87.9% | $185,837-85.8% | $167,518-84.3% |
| Participation rate | 50.0% | 86.0%-36.0pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | 21.07% | 148.39%-127.3pp | 122.08%-101.0pp | 478.71%-457.6pp |
| Employer contribution / active EE | $254 | $5,874-95.7% | $5,168-95.1% | $4,838-94.7% |
| Participant deferral / active EE | $3,135 | $6,357-50.7% | $5,568-43.7% | $6,342-50.6% |
| Admin fee / account holder | $1,384 | $19,816-93.0% | $16,241-91.5% | $12,312-88.8% |