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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 | $21,121 | $101,672-79.2% | $147,117-85.6% | $74,478-71.6% |
| Participation rate | 47.3% | 75.5%-28.2pp | 82.2%-34.9pp | 67.2%-19.9pp |
| Annual return | 14.49% | 8757.83%-8743.3pp | 420.54%-406.1pp | 1370.56%-1356.1pp |
| Employer contribution / active EE | $266 | $3,813-93.0% | $4,932-94.6% | $2,626-89.9% |
| Participant deferral / active EE | $3,481 | $7,305-52.3% | $8,065-56.8% | $4,350-20.0% |
| Admin fee / account holder | $2,765 | $1,753+57.7% | $12,993-78.7% | $1,946+42.1% |