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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 | $24,471 | $217,427-88.7% | $185,837-86.8% | $167,518-85.4% |
| Participation rate | 43.5% | 86.0%-42.6pp | 81.7%-38.2pp | 82.1%-38.6pp |
| Annual return | 30.21% | 148.39%-118.2pp | 122.08%-91.9pp | 478.71%-448.5pp |
| Employer contribution / active EE | $515 | $5,874-91.2% | $5,168-90.0% | $4,838-89.3% |
| Participant deferral / active EE | $3,076 | $6,357-51.6% | $5,568-44.8% | $6,342-51.5% |
| Admin fee / account holder | $577 | $19,816-97.1% | $16,241-96.4% | $12,312-95.3% |