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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 | $13,871 | $183,592-92.4% | $155,574-91.1% | $145,877-90.5% |
| Participation rate | 31.3% | 82.7%-51.4pp | 78.2%-47.0pp | 80.3%-49.1pp |
| Annual return | 47.97% | 61.37%-13.4pp | 64.87%-16.9pp | 551.28%-503.3pp |
| Employer contribution / active EE | $391 | $5,317-92.6% | $4,676-91.6% | $4,663-91.6% |
| Participant deferral / active EE | $3,250 | $6,466-49.7% | $5,629-42.3% | $6,691-51.4% |
| Admin fee / account holder | $1,128 | $19,316-94.2% | $15,914-92.9% | $13,402-91.6% |