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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 | $14,931 | $154,193-90.3% | $130,045-88.5% | $139,466-89.3% |
| Participation rate | 52.6% | 82.0%-29.3pp | 78.5%-25.9pp | 80.3%-27.7pp |
| Annual return | 11.75% | 32.51%-20.8pp | -137.30%+149.1pp | 373.66%-361.9pp |
| Employer contribution / active EE | $715 | $5,292-86.5% | $4,321-83.5% | $4,754-85.0% |
| Participant deferral / active EE | $2,178 | $6,709-67.5% | $5,820-62.6% | $6,712-67.6% |
| Admin fee / account holder | $1,041 | $13,989-92.6% | $10,600-90.2% | $11,409-90.9% |