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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 | $15,537 | $66,124-76.5% | $90,440-82.8% | $73,493-78.9% |
| Participation rate | 53.9% | 69.7%-15.7pp | 72.7%-18.8pp | 70.7%-16.8pp |
| Annual return | 17.81% | 17.65%+0.2pp | 1294.38%-1276.6pp | 28.51%-10.7pp |
| Employer contribution / active EE | $362 | $2,346-84.6% | $3,263-88.9% | $2,270-84.1% |
| Participant deferral / active EE | $1,094 | $3,039-64.0% | $3,964-72.4% | $3,740-70.7% |
| Admin fee / account holder | $1,187 | $396+199.6% | $5,615-78.9% | $513+131.4% |