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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 | $8,983 | $106,280-91.5% | $96,538-90.7% | $139,487-93.6% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 165.65% | 38.48%+127.2pp | 35.74%+129.9pp | 373.84%-208.2pp |
| Employer contribution / active EE | $438 | $4,107-89.3% | $3,740-88.3% | $4,755-90.8% |
| Participant deferral / active EE | $2,750 | $5,457-49.6% | $4,880-43.7% | $6,713-59.0% |
| Admin fee / account holder | $1,848 | $7,888-76.6% | $6,737-72.6% | $11,407-83.8% |