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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 | $19,638 | $202,342-90.3% | $172,752-88.6% | $152,897-87.2% |
| Participation rate | 63.6% | 87.1%-23.4pp | 82.6%-19.0pp | 82.5%-18.8pp |
| Annual return | 42.47% | 1029.83%-987.4pp | 802.97%-760.5pp | 345.43%-303.0pp |
| Employer contribution / active EE | $364 | $5,858-93.8% | $5,144-92.9% | $4,764-92.4% |
| Participant deferral / active EE | $13,838 | $5,948+132.6% | $5,198+166.2% | $5,851+136.5% |
| Admin fee / account holder | $2,390 | $17,111-86.0% | $13,955-82.9% | $11,599-79.4% |