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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 | $5,182 | $110,039-95.3% | $97,260-94.7% | $145,884-96.4% |
| Participation rate | 25.0% | 75.9%-50.9pp | 72.7%-47.7pp | 80.3%-55.3pp |
| Annual return | 13.80% | 244.44%-230.6pp | 75.54%-61.7pp | 551.85%-538.0pp |
| Employer contribution / active EE | $150 | $3,074-95.1% | $2,721-94.5% | $4,662-96.8% |
| Participant deferral / active EE | $973 | $4,674-79.2% | $4,262-77.2% | $6,690-85.4% |
| Admin fee / account holder | $797 | $6,204-87.2% | $5,640-85.9% | $13,392-94.0% |