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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 | $8,965 | $65,566-86.3% | $86,235-89.6% | $75,177-88.1% |
| Participation rate | 69.7% | 60.5%+9.2pp | 69.0%+0.7pp | 67.2%+2.5pp |
| Annual return | 14.44% | 46.07%-31.6pp | 1170.03%-1155.6pp | 160.75%-146.3pp |
| Employer contribution / active EE | $92 | $1,553-94.1% | $2,381-96.1% | $2,671-96.6% |
| Participant deferral / active EE | $2,272 | $3,023-24.9% | $3,987-43.0% | $4,126-44.9% |
| Admin fee / account holder | $570 | $5,470-89.6% | $6,856-91.7% | $5,651-89.9% |