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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 | $17,998 | $68,398-73.7% | $94,664-81.0% | $75,173-76.1% |
| Participation rate | 50.9% | 76.1%-25.2pp | 80.8%-29.9pp | 67.2%-16.3pp |
| Annual return | 30.22% | 616.72%-586.5pp | 156.84%-126.6pp | 160.72%-130.5pp |
| Employer contribution / active EE | $15 | $2,701-99.4% | $3,673-99.6% | $2,671-99.4% |
| Participant deferral / active EE | $4,046 | $6,537-38.1% | $7,417-45.5% | $4,126-1.9% |
| Admin fee / account holder | $681 | $5,324-87.2% | $7,222-90.6% | $5,651-88.0% |