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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 | $7,932 | $112,121-92.9% | $95,960-91.7% | $158,966-95.0% |
| Participation rate | 50.0% | 79.0%-29.0pp | 77.1%-27.1pp | 82.0%-32.0pp |
| Annual return | 23.79% | 171.16%-147.4pp | 91.63%-67.8pp | 302.95%-279.2pp |
| Employer contribution / active EE | $425 | $3,199-86.7% | $2,541-83.3% | $4,762-91.1% |
| Participant deferral / active EE | $2,251 | $4,784-53.0% | $4,167-46.0% | $5,983-62.4% |
| Admin fee / account holder | $704 | $10,135-93.1% | $6,797-89.6% | $11,250-93.7% |