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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 | $8,514 | $89,367-90.5% | $141,191-94.0% | $72,975-88.3% |
| Participation rate | 58.6% | 75.1%-16.5pp | 82.5%-23.9pp | 69.5%-10.9pp |
| Annual return | 59.58% | 111.87%-52.3pp | 71.41%-11.8pp | 81.01%-21.4pp |
| Employer contribution / active EE | $139 | $3,115-95.5% | $4,736-97.1% | $2,440-94.3% |
| Participant deferral / active EE | $5,596 | $5,419+3.3% | $6,710-16.6% | $3,608+55.1% |
| Admin fee / account holder | $445 | $5,957-92.5% | $10,264-95.7% | $5,124-91.3% |