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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 | $101,591-79.2% | $147,096-85.6% | $74,429-71.6% |
| Participation rate | 47.3% | 75.5%-28.2pp | 82.2%-34.9pp | 67.2%-19.9pp |
| Annual return | 14.49% | 8746.45%-8732.0pp | 419.75%-405.3pp | 1368.38%-1353.9pp |
| Employer contribution / active EE | $266 | $3,813-93.0% | $4,936-94.6% | $2,625-89.9% |
| Participant deferral / active EE | $3,481 | $7,302-52.3% | $8,071-56.9% | $4,348-19.9% |
| Admin fee / account holder | $2,765 | $1,750+58.0% | $13,005-78.7% | $1,944+42.2% |