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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 | $18,705 | $198,457-90.6% | $170,435-89.0% | $147,586-87.3% |
| Participation rate | 41.7% | 88.0%-46.3pp | 83.6%-41.9pp | 82.8%-41.2pp |
| Annual return | 109.00% | 257.30%-148.3pp | 205.94%-96.9pp | 578.59%-469.6pp |
| Employer contribution / active EE | $1,107 | $6,183-82.1% | $5,432-79.6% | $4,876-77.3% |
| Participant deferral / active EE | $6,243 | $5,629+10.9% | $4,939+26.4% | $5,439+14.8% |
| Admin fee / account holder | $325 | $16,852-98.1% | $13,881-97.7% | $10,886-97.0% |