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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 | $24,437 | $96,731-74.7% | $123,973-80.3% | $86,983-71.9% |
| Participation rate | 35.9% | 70.0%-34.1pp | 76.7%-40.8pp | 69.5%-33.6pp |
| Annual return | 15.47% | 17.33%-1.9pp | 388.13%-372.7pp | 25.83%-10.4pp |
| Employer contribution / active EE | $430 | $3,297-87.0% | $4,126-89.6% | $2,584-83.4% |
| Participant deferral / active EE | $3,849 | $4,152-7.3% | $5,247-26.6% | $4,194-8.2% |
| Admin fee / account holder | $5,077 | $8,722-41.8% | $11,799-57.0% | $7,856-35.4% |