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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 | $13,233 | $73,459-82.0% | $178,449-92.6% | $74,400-82.2% |
| Participation rate | 35.1% | 66.6%-31.5pp | 77.1%-42.0pp | 67.2%-32.1pp |
| Annual return | 12.46% | 17.50%-5.0pp | 27.09%-14.6pp | 1367.51%-1355.1pp |
| Employer contribution / active EE | $500 | $2,219-77.4% | $3,951-87.3% | $2,624-80.9% |
| Participant deferral / active EE | $2,093 | $4,515-53.6% | $6,277-66.7% | $4,348-51.9% |
| Admin fee / account holder | $4,350 | $1,812+140.1% | $10,362-58.0% | $1,944+123.8% |