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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 | $16,672 | $85,766-80.6% | $136,298-87.8% | $70,126-76.2% |
| Participation rate | 46.4% | 74.2%-27.7pp | 81.9%-35.5pp | 69.5%-23.1pp |
| Annual return | 22.54% | 31.46%-8.9pp | 5156.27%-5133.7pp | 73.15%-50.6pp |
| Employer contribution / active EE | $486 | $2,966-83.6% | $4,696-89.6% | $2,343-79.2% |
| Participant deferral / active EE | $2,744 | $5,051-45.7% | $6,247-56.1% | $3,332-17.6% |
| Admin fee / account holder | $767 | $5,421-85.9% | $9,244-91.7% | $4,645-83.5% |