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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 | $88,186-69.5% | $165,071-83.7% | $74,459-63.8% |
| Participation rate | 37.1% | 73.1%-36.1pp | 78.6%-41.6pp | 67.2%-30.2pp |
| Annual return | 19.68% | 17.13%+2.5pp | 70.17%-50.5pp | 1369.70%-1350.0pp |
| Employer contribution / active EE | $199 | $2,600-92.4% | $4,347-95.4% | $2,626-92.4% |
| Participant deferral / active EE | $2,868 | $4,505-36.3% | $6,035-52.5% | $4,350-34.1% |
| Admin fee / account holder | $3,840 | $2,234+71.9% | $12,695-69.7% | $1,945+97.5% |