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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 | $24,573 | $93,345-73.7% | $119,126-79.4% | $87,485-71.9% |
| Participation rate | 31.3% | 68.7%-37.5pp | 75.8%-44.5pp | 68.9%-37.7pp |
| Annual return | 18.99% | 19.08%-0.1pp | 282.11%-263.1pp | 26.06%-7.1pp |
| Employer contribution / active EE | $719 | $3,172-77.3% | $4,034-82.2% | $2,596-72.3% |
| Participant deferral / active EE | $2,007 | $4,099-51.0% | $5,318-62.3% | $4,274-53.0% |
| Admin fee / account holder | $303 | $8,039-96.2% | $10,693-97.2% | $7,775-96.1% |