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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 | $21,097 | $85,766-75.4% | $136,298-84.5% | $70,126-69.9% |
| Participation rate | 56.8% | 74.2%-17.4pp | 81.9%-25.1pp | 69.5%-12.8pp |
| Annual return | 18.23% | 31.46%-13.2pp | 5156.27%-5138.0pp | 73.15%-54.9pp |
| Employer contribution / active EE | $438 | $2,966-85.2% | $4,696-90.7% | $2,343-81.3% |
| Participant deferral / active EE | $2,889 | $5,051-42.8% | $6,247-53.8% | $3,332-13.3% |
| Admin fee / account holder | $1,503 | $5,421-72.3% | $9,244-83.7% | $4,645-67.6% |