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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 | $7,471 | $180,749-95.9% | $160,784-95.4% | $137,256-94.6% |
| Participation rate | 47.1% | 80.0%-32.9pp | 77.0%-29.9pp | 80.0%-32.9pp |
| Annual return | 15.42% | 2234.46%-2219.0pp | 1803.92%-1788.5pp | 220.34%-204.9pp |
| Employer contribution / active EE | $33 | $4,155-99.2% | $3,733-99.1% | $4,156-99.2% |
| Participant deferral / active EE | $2,059 | $6,844-69.9% | $6,293-67.3% | $6,407-67.9% |
| Admin fee / account holder | $788 | $10,397-92.4% | $9,717-91.9% | $12,270-93.6% |