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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 | $13,724 | $159,978-91.4% | $147,041-90.7% | $145,978-90.6% |
| Participation rate | 54.2% | 84.0%-29.8pp | 82.2%-28.0pp | 80.3%-26.1pp |
| Annual return | 11.40% | 98.36%-87.0pp | 419.21%-407.8pp | 550.52%-539.1pp |
| Employer contribution / active EE | $678 | $5,288-87.2% | $4,935-86.3% | $4,662-85.5% |
| Participant deferral / active EE | $2,707 | $8,429-67.9% | $8,071-66.5% | $6,690-59.5% |
| Admin fee / account holder | $1,093 | $15,053-92.7% | $13,006-91.6% | $13,400-91.8% |