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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 | $4,139 | $100,139-95.9% | $85,187-95.1% | $145,884-97.2% |
| Participation rate | 64.3% | 74.1%-9.8pp | 67.5%-3.2pp | 80.3%-16.0pp |
| Annual return | 12.00% | 84.15%-72.1pp | 66.67%-54.7pp | 551.85%-539.8pp |
| Employer contribution / active EE | $31 | $3,238-99.1% | $2,732-98.9% | $4,662-99.3% |
| Participant deferral / active EE | $1,079 | $5,296-79.6% | $4,525-76.2% | $6,690-83.9% |
| Admin fee / account holder | $380 | $7,262-94.8% | $6,162-93.8% | $13,392-97.2% |