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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 | $19,160 | $137,414-86.1% | $189,537-89.9% | $85,847-77.7% |
| Participation rate | 35.3% | 84.6%-49.3pp | 87.8%-52.5pp | 69.3%-34.0pp |
| Annual return | 20.09% | 38.14%-18.1pp | 555.34%-535.2pp | 318.61%-298.5pp |
| Employer contribution / active EE | $1,019 | $4,344-76.6% | $6,161-83.5% | $2,565-60.3% |
| Participant deferral / active EE | $3,079 | $6,260-50.8% | $8,220-62.5% | $3,952-22.1% |
| Admin fee / account holder | $858 | $8,630-90.1% | $12,048-92.9% | $6,261-86.3% |