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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 | $28,235 | $168,636-83.3% | $147,617-80.9% | $125,393-77.5% |
| Participation rate | 50.0% | 88.8%-38.8pp | 84.6%-34.6pp | 83.2%-33.2pp |
| Annual return | 0.36% | 77.65%-77.3pp | 61.98%-61.6pp | 282.23%-281.9pp |
| Employer contribution / active EE | $836 | $6,252-86.6% | $5,565-85.0% | $4,866-82.8% |
| Participant deferral / active EE | $2,811 | $5,507-49.0% | $4,895-42.6% | $5,351-47.5% |
| Admin fee / account holder | $879 | $13,580-93.5% | $11,611-92.4% | $9,541-90.8% |