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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 | $21,940 | $85,766-74.4% | $136,298-83.9% | $70,126-68.7% |
| Participation rate | 53.6% | 74.2%-20.6pp | 81.9%-28.3pp | 69.5%-16.0pp |
| Annual return | 26.91% | 31.46%-4.5pp | 5156.27%-5129.4pp | 73.15%-46.2pp |
| Employer contribution / active EE | $431 | $2,966-85.5% | $4,696-90.8% | $2,343-81.6% |
| Participant deferral / active EE | $3,747 | $5,051-25.8% | $6,247-40.0% | $3,332+12.4% |
| Admin fee / account holder | $1,591 | $5,421-70.7% | $9,244-82.8% | $4,645-65.8% |