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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 | $10,954 | $166,242-93.4% | $165,071-93.4% | $145,884-92.5% |
| Participation rate | 38.5% | 82.0%-43.6pp | 78.6%-40.2pp | 80.3%-41.8pp |
| Annual return | 12.15% | 100.44%-88.3pp | 70.17%-58.0pp | 551.85%-539.7pp |
| Employer contribution / active EE | $334 | $5,283-93.7% | $4,347-92.3% | $4,662-92.8% |
| Participant deferral / active EE | $2,797 | $6,964-59.8% | $6,035-53.6% | $6,690-58.2% |
| Admin fee / account holder | $987 | $16,658-94.1% | $12,695-92.2% | $13,392-92.6% |