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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 | $4,788 | $106,008-95.5% | $92,240-94.8% | $147,586-96.8% |
| Participation rate | 42.9% | 80.4%-37.6pp | 76.5%-33.6pp | 82.8%-40.0pp |
| Annual return | 16.24% | 50.05%-33.8pp | 176.29%-160.1pp | 578.59%-562.4pp |
| Employer contribution / active EE | $151 | $4,333-96.5% | $3,680-95.9% | $4,876-96.9% |
| Participant deferral / active EE | $1,228 | $4,478-72.6% | $3,897-68.5% | $5,439-77.4% |
| Admin fee / account holder | $535 | $6,333-91.5% | $5,194-89.7% | $10,886-95.1% |