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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 | $13,647 | $58,714-76.8% | $142,874-90.4% | $85,856-84.1% |
| Participation rate | 28.4% | 58.5%-30.1pp | 72.0%-43.6pp | 69.3%-41.0pp |
| Annual return | 13.57% | 27.73%-14.2pp | 5638.58%-5625.0pp | 318.58%-305.0pp |
| Employer contribution / active EE | $108 | $1,423-92.4% | $4,145-97.4% | $2,565-95.8% |
| Participant deferral / active EE | $1,171 | $2,608-55.1% | $3,838-69.5% | $3,952-70.4% |
| Admin fee / account holder | $1,589 | $4,241-62.5% | $6,561-75.8% | $6,261-74.6% |