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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 | $9,328 | $166,242-94.4% | $165,071-94.3% | $145,884-93.6% |
| Participation rate | 44.4% | 82.0%-37.6pp | 78.6%-34.2pp | 80.3%-35.9pp |
| Annual return | 26.50% | 100.44%-73.9pp | 70.17%-43.7pp | 551.85%-525.3pp |
| Employer contribution / active EE | $850 | $5,283-83.9% | $4,347-80.4% | $4,662-81.8% |
| Participant deferral / active EE | $2,727 | $6,964-60.8% | $6,035-54.8% | $6,690-59.2% |
| Admin fee / account holder | $681 | $16,658-95.9% | $12,695-94.6% | $13,392-94.9% |