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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 | $13,550 | $56,894-76.2% | $84,753-84.0% | $62,881-78.5% |
| Participation rate | 39.6% | 68.5%-28.9pp | 76.6%-37.0pp | 69.3%-29.7pp |
| Annual return | 99.23% | 6.30%+92.9pp | 22.78%+76.4pp | 20.14%+79.1pp |
| Employer contribution / active EE | $365 | $2,400-84.8% | $3,574-89.8% | $2,281-84.0% |
| Participant deferral / active EE | $2,705 | $2,709-0.1% | $3,712-27.1% | $3,203-15.5% |
| Admin fee / account holder | $550 | $3,581-84.6% | $5,333-89.7% | $4,296-87.2% |