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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 | $18,480 | $202,342-90.9% | $172,753-89.3% | $152,909-87.9% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 22.75% | 1029.88%-1007.1pp | 803.00%-780.2pp | 345.46%-322.7pp |
| Employer contribution / active EE | $1,128 | $5,857-80.7% | $5,144-78.1% | $4,764-76.3% |
| Participant deferral / active EE | $3,492 | $5,948-41.3% | $5,198-32.8% | $5,851-40.3% |
| Admin fee / account holder | $2,577 | $17,112-84.9% | $13,956-81.5% | $11,601-77.8% |