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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 | $10,821 | $55,446-80.5% | $155,574-93.0% | $74,429-85.5% |
| Participation rate | 20.5% | 61.9%-41.4pp | 78.2%-57.7pp | 67.2%-46.7pp |
| Annual return | 11.23% | 269.20%-258.0pp | 64.87%-53.6pp | 1368.38%-1357.2pp |
| Employer contribution / active EE | $95 | $2,266-95.8% | $4,676-98.0% | $2,625-96.4% |
| Participant deferral / active EE | $892 | $2,836-68.6% | $5,629-84.2% | $4,348-79.5% |
| Admin fee / account holder | $1,267 | $1,743-27.3% | $15,914-92.0% | $1,944-34.8% |