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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 | $6,473 | $106,247-93.9% | $96,515-93.3% | $139,466-95.4% |
| Participation rate | 58.3% | 77.8%-19.5pp | 74.3%-16.0pp | 80.3%-22.0pp |
| Annual return | 24.92% | 38.47%-13.5pp | 35.73%-10.8pp | 373.66%-348.7pp |
| Employer contribution / active EE | $3 | $4,106-99.9% | $3,740-99.9% | $4,754-99.9% |
| Participant deferral / active EE | $2,228 | $5,456-59.2% | $4,880-54.3% | $6,712-66.8% |
| Admin fee / account holder | $725 | $7,885-90.8% | $6,735-89.2% | $11,409-93.6% |