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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 | $10,439 | $47,944-78.2% | $67,834-84.6% | $62,881-83.4% |
| Participation rate | 53.7% | 61.1%-7.4pp | 68.8%-15.1pp | 69.3%-15.6pp |
| Annual return | 187.20% | 11.77%+175.4pp | 138.47%+48.7pp | 20.14%+167.1pp |
| Employer contribution / active EE | $239 | $1,562-84.7% | $2,403-90.1% | $2,281-89.5% |
| Participant deferral / active EE | $2,812 | $2,247+25.2% | $3,160-11.0% | $3,203-12.2% |
| Admin fee / account holder | $498 | $3,712-86.6% | $4,622-89.2% | $4,296-88.4% |