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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 | $23,021 | $78,707-70.8% | $117,861-80.5% | $70,126-67.2% |
| Participation rate | 62.3% | 73.2%-10.9pp | 79.7%-17.3pp | 69.5%-7.2pp |
| Annual return | 21.41% | 23.30%-1.9pp | 335.11%-313.7pp | 73.15%-51.7pp |
| Employer contribution / active EE | $104 | $2,223-95.3% | $3,786-97.3% | $2,343-95.6% |
| Participant deferral / active EE | $1,746 | $3,297-47.1% | $4,482-61.1% | $3,332-47.6% |
| Admin fee / account holder | $550 | $5,066-89.1% | $8,021-93.1% | $4,645-88.2% |