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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 | $8,739 | $118,708-92.6% | $98,920-91.2% | $158,966-94.5% |
| Participation rate | 28.6% | 77.8%-49.3pp | 76.0%-47.5pp | 82.0%-53.4pp |
| Annual return | 27.54% | 372.49%-344.9pp | 196.47%-168.9pp | 302.95%-275.4pp |
| Employer contribution / active EE | $394 | $3,334-88.2% | $2,689-85.3% | $4,762-91.7% |
| Participant deferral / active EE | $2,196 | $5,089-56.8% | $4,245-48.3% | $5,983-63.3% |
| Admin fee / account holder | $2,244 | $10,134-77.9% | $6,643-66.2% | $11,250-80.1% |