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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 | $10,007 | $112,121-91.1% | $95,960-89.6% | $158,966-93.7% |
| Participation rate | 43.5% | 79.0%-35.5pp | 77.1%-33.6pp | 82.0%-38.5pp |
| Annual return | 24.30% | 171.16%-146.9pp | 91.63%-67.3pp | 302.95%-278.6pp |
| Employer contribution / active EE | $146 | $3,199-95.4% | $2,541-94.3% | $4,762-96.9% |
| Participant deferral / active EE | $2,690 | $4,784-43.8% | $4,167-35.4% | $5,983-55.0% |
| Admin fee / account holder | $438 | $10,135-95.7% | $6,797-93.6% | $11,250-96.1% |