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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 | $12,678 | $89,367-85.8% | $141,191-91.0% | $72,975-82.6% |
| Participation rate | 58.3% | 75.1%-16.8pp | 82.5%-24.1pp | 69.5%-11.2pp |
| Annual return | 48.07% | 111.87%-63.8pp | 71.41%-23.3pp | 81.01%-32.9pp |
| Employer contribution / active EE | $24 | $3,115-99.2% | $4,736-99.5% | $2,440-99.0% |
| Participant deferral / active EE | $3,272 | $5,419-39.6% | $6,710-51.2% | $3,608-9.3% |
| Admin fee / account holder | $917 | $5,957-84.6% | $10,264-91.1% | $5,124-82.1% |