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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 | $20,209 | $68,394-70.5% | $94,672-78.7% | $75,177-73.1% |
| Participation rate | 56.6% | 76.1%-19.5pp | 80.8%-24.2pp | 67.2%-10.6pp |
| Annual return | 25.22% | 616.92%-591.7pp | 156.89%-131.7pp | 160.75%-135.5pp |
| Employer contribution / active EE | $345 | $2,701-87.2% | $3,673-90.6% | $2,671-87.1% |
| Participant deferral / active EE | $3,291 | $6,536-49.6% | $7,417-55.6% | $4,126-20.2% |
| Admin fee / account holder | $2,123 | $5,326-60.1% | $7,222-70.6% | $5,651-62.4% |