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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 | $4,504 | $91,037-95.1% | $71,671-93.7% | $147,586-96.9% |
| Participation rate | 42.9% | 76.1%-33.3pp | 68.7%-25.9pp | 82.8%-40.0pp |
| Annual return | 18.24% | 20.48%-2.2pp | 20.65%-2.4pp | 578.59%-560.4pp |
| Employer contribution / active EE | $268 | $3,327-92.0% | $2,460-89.1% | $4,876-94.5% |
| Participant deferral / active EE | $1,267 | $4,498-71.8% | $3,438-63.2% | $5,439-76.7% |
| Admin fee / account holder | $513 | $8,613-94.0% | $5,558-90.8% | $10,886-95.3% |