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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 | $8,465 | $180,466-95.3% | $154,114-94.5% | $135,382-93.7% |
| Participation rate | 54.2% | 87.4%-33.3pp | 83.0%-28.9pp | 82.6%-28.5pp |
| Annual return | 5.34% | 888.15%-882.8pp | 735.16%-729.8pp | 519.77%-514.4pp |
| Employer contribution / active EE | $432 | $6,035-92.8% | $5,298-91.8% | $4,779-91.0% |
| Participant deferral / active EE | $2,192 | $5,806-62.2% | $5,081-56.9% | $5,609-60.9% |
| Admin fee / account holder | $314 | $16,144-98.1% | $13,411-97.7% | $10,829-97.1% |