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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 | $13,070 | $165,361-92.1% | $149,715-91.3% | $158,950-91.8% |
| Participation rate | 45.5% | 84.6%-39.1pp | 82.5%-37.0pp | 82.0%-36.5pp |
| Annual return | 77.44% | 348.24%-270.8pp | 276.66%-199.2pp | 302.91%-225.5pp |
| Employer contribution / active EE | $308 | $5,103-94.0% | $4,645-93.4% | $4,762-93.5% |
| Participant deferral / active EE | $3,234 | $7,182-55.0% | $6,842-52.7% | $5,983-45.9% |
| Admin fee / account holder | $980 | $10,808-90.9% | $9,310-89.5% | $11,248-91.3% |