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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 | $32,780 | $100,060-67.2% | $149,721-78.1% | $70,126-53.3% |
| Participation rate | 61.3% | 83.6%-22.3pp | 87.1%-25.8pp | 69.5%-8.2pp |
| Annual return | 21.09% | 27.46%-6.4pp | 1501.67%-1480.6pp | 73.15%-52.1pp |
| Employer contribution / active EE | $733 | $3,661-80.0% | $5,444-86.5% | $2,343-68.7% |
| Participant deferral / active EE | $4,504 | $4,982-9.6% | $6,568-31.4% | $3,332+35.2% |
| Admin fee / account holder | $405 | $8,285-95.1% | $11,282-96.4% | $4,645-91.3% |