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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 | $14,529 | $125,184-88.4% | $105,607-86.2% | $145,884-90.0% |
| Participation rate | 33.3% | 77.6%-44.3pp | 75.3%-41.9pp | 80.3%-47.0pp |
| Annual return | 43.42% | 225.00%-181.6pp | 116.11%-72.7pp | 551.85%-508.4pp |
| Employer contribution / active EE | $443 | $3,720-88.1% | $3,167-86.0% | $4,662-90.5% |
| Participant deferral / active EE | $1,989 | $5,714-65.2% | $5,011-60.3% | $6,690-70.3% |
| Admin fee / account holder | $966 | $17,133-94.4% | $10,958-91.2% | $13,392-92.8% |