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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 | $21,064 | $209,428-89.9% | $178,498-88.2% | $158,950-86.7% |
| Participation rate | 44.4% | 86.4%-41.9pp | 81.9%-37.5pp | 82.0%-37.5pp |
| Annual return | 73.34% | 188.78%-115.4pp | 151.09%-77.8pp | 302.91%-229.6pp |
| Employer contribution / active EE | $246 | $5,707-95.7% | $5,011-95.1% | $4,762-94.8% |
| Participant deferral / active EE | $3,271 | $5,955-45.1% | $5,202-37.1% | $5,983-45.3% |
| Admin fee / account holder | $2,085 | $17,077-87.8% | $13,985-85.1% | $11,248-81.5% |