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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 | $6,930 | $81,664-91.5% | $70,476-90.2% | $158,966-95.6% |
| Participation rate | 25.0% | 77.7%-52.7pp | 75.1%-50.1pp | 82.0%-57.0pp |
| Annual return | 73.11% | 208.59%-135.5pp | 109.12%-36.0pp | 302.95%-229.8pp |
| Employer contribution / active EE | $105 | $3,219-96.7% | $2,738-96.2% | $4,762-97.8% |
| Participant deferral / active EE | $2,646 | $4,556-41.9% | $3,710-28.7% | $5,983-55.8% |
| Admin fee / account holder | $642 | $6,197-89.6% | $3,847-83.3% | $11,250-94.3% |