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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 | $25,820 | $101,672-74.6% | $147,117-82.4% | $74,478-65.3% |
| Participation rate | 55.6% | 75.5%-19.9pp | 82.2%-26.5pp | 67.2%-11.6pp |
| Annual return | 14.96% | 8757.83%-8742.9pp | 420.54%-405.6pp | 1370.56%-1355.6pp |
| Employer contribution / active EE | $817 | $3,813-78.6% | $4,932-83.4% | $2,626-68.9% |
| Participant deferral / active EE | $4,025 | $7,305-44.9% | $8,065-50.1% | $4,350-7.5% |
| Admin fee / account holder | $2,385 | $1,753+36.0% | $12,993-81.6% | $1,946+22.6% |