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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 | $26,335 | $160,059-83.5% | $140,019-81.2% | $135,380-80.5% |
| Participation rate | 37.5% | 88.5%-51.0pp | 87.5%-50.0pp | 82.6%-45.1pp |
| Annual return | -7.58% | 911.48%-919.1pp | 651.17%-658.7pp | 519.81%-527.4pp |
| Employer contribution / active EE | $1,040 | $6,420-83.8% | $5,605-81.4% | $4,779-78.2% |
| Participant deferral / active EE | $7,216 | $7,641-5.6% | $6,927+4.2% | $5,609+28.7% |
| Admin fee / account holder | $1,440 | $13,328-89.2% | $10,705-86.5% | $10,828-86.7% |