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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 | $16,302 | $202,342-91.9% | $172,752-90.6% | $152,897-89.3% |
| Participation rate | 36.4% | 87.1%-50.7pp | 82.6%-46.3pp | 82.5%-46.1pp |
| Annual return | 23.18% | 1029.83%-1006.6pp | 802.97%-779.8pp | 345.43%-322.2pp |
| Employer contribution / active EE | $480 | $5,858-91.8% | $5,144-90.7% | $4,764-89.9% |
| Participant deferral / active EE | $2,518 | $5,948-57.7% | $5,198-51.5% | $5,851-57.0% |
| Admin fee / account holder | $392 | $17,111-97.7% | $13,955-97.2% | $11,599-96.6% |