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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 | $6,559 | $57,305-88.6% | $86,640-92.4% | $75,173-91.3% |
| Participation rate | 61.8% | 63.2%-1.4pp | 71.7%-9.9pp | 67.2%-5.4pp |
| Annual return | 20.30% | 2674.24%-2653.9pp | 592.52%-572.2pp | 160.72%-140.4pp |
| Employer contribution / active EE | $231 | $2,316-90.0% | $3,024-92.4% | $2,671-91.4% |
| Participant deferral / active EE | $1,880 | $3,320-43.4% | $4,438-57.6% | $4,126-54.4% |
| Admin fee / account holder | $685 | $4,116-83.4% | $5,616-87.8% | $5,651-87.9% |