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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 | $5,153 | $106,247-95.2% | $96,515-94.7% | $139,466-96.3% |
| Participation rate | 56.5% | 77.8%-21.3pp | 74.3%-17.8pp | 80.3%-23.8pp |
| Annual return | 29.38% | 38.47%-9.1pp | 35.73%-6.3pp | 373.66%-344.3pp |
| Employer contribution / active EE | $181 | $4,106-95.6% | $3,740-95.2% | $4,754-96.2% |
| Participant deferral / active EE | $2,060 | $5,456-62.2% | $4,880-57.8% | $6,712-69.3% |
| Admin fee / account holder | $672 | $7,885-91.5% | $6,735-90.0% | $11,409-94.1% |