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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 | $17,369 | $79,209-78.1% | $102,434-83.0% | $74,459-76.7% |
| Participation rate | 54.8% | 74.8%-20.0pp | 76.5%-21.7pp | 67.2%-12.4pp |
| Annual return | 12.97% | 54.98%-42.0pp | 29.46%-16.5pp | 1369.70%-1356.7pp |
| Employer contribution / active EE | $649 | $2,362-72.5% | $3,023-78.5% | $2,626-75.3% |
| Participant deferral / active EE | $3,241 | $4,417-26.6% | $5,055-35.9% | $4,350-25.5% |
| Admin fee / account holder | $465 | $2,002-76.8% | $9,462-95.1% | $1,945-76.1% |