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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 | $17,760 | $175,257-89.9% | $149,717-88.1% | $139,456-87.3% |
| Participation rate | 40.0% | 83.4%-43.4pp | 78.8%-38.8pp | 80.3%-40.3pp |
| Annual return | 27.62% | 166.70%-139.1pp | 134.41%-106.8pp | 373.45%-345.8pp |
| Employer contribution / active EE | $887 | $5,477-83.8% | $4,820-81.6% | $4,753-81.3% |
| Participant deferral / active EE | $3,814 | $6,521-41.5% | $5,682-32.9% | $6,711-43.2% |
| Admin fee / account holder | $312 | $16,156-98.1% | $13,213-97.6% | $11,407-97.3% |