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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 | $16,737 | $209,888-92.0% | $189,545-91.2% | $167,553-90.0% |
| Participation rate | 50.0% | 88.7%-38.7pp | 87.8%-37.8pp | 82.1%-32.1pp |
| Annual return | 33.74% | 748.66%-714.9pp | 555.36%-521.6pp | 478.89%-445.2pp |
| Employer contribution / active EE | $795 | $6,915-88.5% | $6,162-87.1% | $4,840-83.6% |
| Participant deferral / active EE | $5,297 | $8,934-40.7% | $8,220-35.6% | $6,343-16.5% |
| Admin fee / account holder | $948 | $14,300-93.4% | $12,049-92.1% | $12,316-92.3% |