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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 | $26,922 | $88,137-69.5% | $164,975-83.7% | $74,429-63.8% |
| Participation rate | 37.1% | 73.1%-36.1pp | 78.6%-41.6pp | 67.2%-30.2pp |
| Annual return | 19.68% | 17.13%+2.5pp | 70.12%-50.4pp | 1368.38%-1348.7pp |
| Employer contribution / active EE | $199 | $2,597-92.3% | $4,343-95.4% | $2,625-92.4% |
| Participant deferral / active EE | $2,868 | $4,501-36.3% | $6,033-52.5% | $4,348-34.0% |
| Admin fee / account holder | $3,840 | $2,231+72.1% | $12,688-69.7% | $1,944+97.5% |