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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 | $14,514 | $160,070-90.9% | $147,117-90.1% | $145,897-90.1% |
| Participation rate | 31.3% | 84.0%-52.8pp | 82.2%-50.9pp | 80.3%-49.1pp |
| Annual return | 11.88% | 98.69%-86.8pp | 420.54%-408.7pp | 552.29%-540.4pp |
| Employer contribution / active EE | $852 | $5,285-83.9% | $4,932-82.7% | $4,663-81.7% |
| Participant deferral / active EE | $3,243 | $8,419-61.5% | $8,065-59.8% | $6,689-51.5% |
| Admin fee / account holder | $932 | $15,035-93.8% | $12,993-92.8% | $13,390-93.0% |