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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 | $18,872 | $171,867-89.0% | $149,721-87.4% | $147,586-87.2% |
| Participation rate | 58.8% | 88.2%-29.4pp | 87.1%-28.2pp | 82.8%-24.0pp |
| Annual return | 21.30% | 2113.36%-2092.1pp | 1501.67%-1480.4pp | 578.59%-557.3pp |
| Employer contribution / active EE | $28 | $6,275-99.6% | $5,444-99.5% | $4,876-99.4% |
| Participant deferral / active EE | $4,812 | $7,270-33.8% | $6,568-26.7% | $5,439-11.5% |
| Admin fee / account holder | $1,196 | $13,799-91.3% | $11,282-89.4% | $10,886-89.0% |