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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 | $32,338 | $78,607-58.9% | $105,624-69.4% | $74,478-56.6% |
| Participation rate | 33.8% | 72.8%-39.0pp | 75.3%-41.5pp | 67.2%-33.4pp |
| Annual return | 24.00% | 15.96%+8.0pp | 116.20%-92.2pp | 1370.56%-1346.6pp |
| Employer contribution / active EE | $453 | $2,523-82.0% | $3,168-85.7% | $2,626-82.7% |
| Participant deferral / active EE | $1,996 | $4,325-53.8% | $5,013-60.2% | $4,350-54.1% |
| Admin fee / account holder | $1,569 | $2,220-29.3% | $10,961-85.7% | $1,946-19.4% |