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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 | $24,826 | $101,653-75.6% | $147,080-83.1% | $74,459-66.7% |
| Participation rate | 63.3% | 75.6%-12.3pp | 82.2%-18.9pp | 67.2%-3.9pp |
| Annual return | 17.42% | 8754.98%-8737.6pp | 420.17%-402.8pp | 1369.70%-1352.3pp |
| Employer contribution / active EE | $567 | $3,813-85.1% | $4,933-88.5% | $2,626-78.4% |
| Participant deferral / active EE | $3,439 | $7,304-52.9% | $8,066-57.4% | $4,350-20.9% |
| Admin fee / account holder | $456 | $1,752-74.0% | $12,989-96.5% | $1,945-76.5% |