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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 | $12,483 | $95,406-86.9% | $185,849-93.3% | $85,847-85.5% |
| Participation rate | 59.4% | 68.8%-9.3pp | 81.7%-22.3pp | 69.3%-9.9pp |
| Annual return | 12.99% | 23.59%-10.6pp | 122.10%-109.1pp | 318.61%-305.6pp |
| Employer contribution / active EE | $109 | $3,314-96.7% | $5,169-97.9% | $2,565-95.8% |
| Participant deferral / active EE | $2,314 | $3,424-32.4% | $5,569-58.4% | $3,952-41.4% |
| Admin fee / account holder | $837 | $7,214-88.4% | $16,244-94.8% | $6,261-86.6% |