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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 | $21,636 | $80,753-73.2% | $136,298-84.1% | $62,293-65.3% |
| Participation rate | 52.6% | 73.5%-20.9pp | 81.9%-29.3pp | 69.5%-16.9pp |
| Annual return | 18.27% | 35.83%-17.6pp | 5156.27%-5138.0pp | 28.90%-10.6pp |
| Employer contribution / active EE | $458 | $2,884-84.1% | $4,696-90.3% | $2,042-77.6% |
| Participant deferral / active EE | $2,388 | $5,164-53.8% | $6,247-61.8% | $3,169-24.6% |
| Admin fee / account holder | $1,117 | $525+112.5% | $9,244-87.9% | $479+133.0% |