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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 | $5,274 | $54,690-90.4% | $76,030-93.1% | $74,478-92.9% |
| Participation rate | 44.6% | 60.3%-15.7pp | 69.1%-24.4pp | 67.2%-22.6pp |
| Annual return | 16.75% | 31.92%-15.2pp | 361.54%-344.8pp | 1370.56%-1353.8pp |
| Employer contribution / active EE | $293 | $1,781-83.5% | $2,688-89.1% | $2,626-88.8% |
| Participant deferral / active EE | $1,247 | $3,070-59.4% | $4,257-70.7% | $4,350-71.3% |
| Admin fee / account holder | $1,050 | $2,240-53.1% | $6,421-83.7% | $1,946-46.1% |