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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 | $6,182 | $103,000-94.0% | $90,300-93.2% | $152,885-96.0% |
| Participation rate | 38.9% | 75.9%-37.0pp | 73.3%-34.4pp | 82.5%-43.6pp |
| Annual return | 27.19% | 95.19%-68.0pp | 78.11%-50.9pp | 345.39%-318.2pp |
| Employer contribution / active EE | $140 | $3,138-95.5% | $2,854-95.1% | $4,763-97.1% |
| Participant deferral / active EE | $1,147 | $4,281-73.2% | $3,884-70.5% | $5,851-80.4% |
| Admin fee / account holder | $852 | $6,173-86.2% | $5,353-84.1% | $11,598-92.7% |