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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 | $11,875 | $148,623-92.0% | $135,974-91.3% | $139,466-91.5% |
| Participation rate | 40.9% | 83.9%-43.0pp | 81.9%-41.0pp | 80.3%-39.4pp |
| Annual return | 42.73% | 79.30%-36.6pp | 68.30%-25.6pp | 373.66%-330.9pp |
| Employer contribution / active EE | $11 | $5,246-99.8% | $4,859-99.8% | $4,754-99.8% |
| Participant deferral / active EE | $4,719 | $8,103-41.8% | $7,760-39.2% | $6,712-29.7% |
| Admin fee / account holder | $1,984 | $12,406-84.0% | $10,767-81.6% | $11,409-82.6% |