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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 | $8,833 | $55,423-84.1% | $155,602-94.3% | $74,400-88.1% |
| Participation rate | 23.7% | 61.9%-38.2pp | 78.2%-54.5pp | 67.2%-43.5pp |
| Annual return | 11.24% | 269.07%-257.8pp | 64.81%-53.6pp | 1367.51%-1356.3pp |
| Employer contribution / active EE | $303 | $2,266-86.6% | $4,675-93.5% | $2,624-88.5% |
| Participant deferral / active EE | $936 | $2,835-67.0% | $5,629-83.4% | $4,348-78.5% |
| Admin fee / account holder | $1,662 | $1,744-4.8% | $15,923-89.6% | $1,944-14.5% |