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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 | $11,680 | $209,428-94.4% | $178,498-93.5% | $158,950-92.7% |
| Participation rate | 30.0% | 86.4%-56.4pp | 81.9%-51.9pp | 82.0%-52.0pp |
| Annual return | 18.43% | 188.78%-170.3pp | 151.09%-132.7pp | 302.91%-284.5pp |
| Employer contribution / active EE | $456 | $5,707-92.0% | $5,011-90.9% | $4,762-90.4% |
| Participant deferral / active EE | $2,139 | $5,955-64.1% | $5,202-58.9% | $5,983-64.2% |
| Admin fee / account holder | $860 | $17,077-95.0% | $13,985-93.9% | $11,248-92.4% |