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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 | $23,244 | $78,562-70.4% | $105,608-78.0% | $74,429-68.8% |
| Participation rate | 42.0% | 72.8%-30.8pp | 75.3%-33.3pp | 67.2%-25.2pp |
| Annual return | 11.56% | 15.94%-4.4pp | 116.50%-104.9pp | 1368.38%-1356.8pp |
| Employer contribution / active EE | $301 | $2,521-88.1% | $3,167-90.5% | $2,625-88.5% |
| Participant deferral / active EE | $2,067 | $4,321-52.2% | $5,010-58.7% | $4,348-52.5% |
| Admin fee / account holder | $3,943 | $2,217+77.9% | $11,028-64.2% | $1,944+102.8% |