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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 | $13,143 | $52,678-75.1% | $75,784-82.7% | $59,633-78.0% |
| Participation rate | 51.9% | 67.2%-15.3pp | 75.8%-23.9pp | 68.7%-16.7pp |
| Annual return | 18.05% | 2.95%+15.1pp | 9.68%+8.4pp | 2041.45%-2023.4pp |
| Employer contribution / active EE | $311 | $2,193-85.8% | $3,323-90.7% | $2,203-85.9% |
| Participant deferral / active EE | $1,312 | $2,591-49.3% | $3,652-64.1% | $3,192-58.9% |
| Admin fee / account holder | $927 | $3,610-74.3% | $5,300-82.5% | $4,297-78.4% |