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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 | $13,945 | $144,124-90.3% | $117,857-88.2% | $147,585-90.6% |
| Participation rate | 31.3% | 83.4%-52.2pp | 79.7%-48.4pp | 82.8%-51.6pp |
| Annual return | 22.01% | 531.17%-509.2pp | 335.09%-313.1pp | 578.57%-556.6pp |
| Employer contribution / active EE | $668 | $4,897-86.4% | $3,786-82.4% | $4,876-86.3% |
| Participant deferral / active EE | $2,135 | $5,316-59.8% | $4,482-52.4% | $5,439-60.7% |
| Admin fee / account holder | $5,010 | $10,886-54.0% | $8,020-37.5% | $10,885-54.0% |