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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 | $19,868 | $69,708-71.5% | $67,560-70.6% | $74,478-73.3% |
| Participation rate | 64.8% | 71.4%-6.6pp | 72.9%-8.1pp | 67.2%-2.4pp |
| Annual return | 13.15% | -40.67%+53.8pp | 3533.50%-3520.3pp | 1370.56%-1357.4pp |
| Employer contribution / active EE | $610 | $2,715-77.5% | $2,737-77.7% | $2,626-76.8% |
| Participant deferral / active EE | $1,343 | $3,637-63.1% | $4,004-66.5% | $4,350-69.1% |
| Admin fee / account holder | $917 | $887+3.3% | $3,994-77.0% | $1,946-52.9% |