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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 | $69,774-71.5% | $67,561-70.6% | $74,429-73.3% |
| Participation rate | 64.8% | 71.4%-6.6pp | 72.9%-8.1pp | 67.2%-2.4pp |
| Annual return | 13.15% | -40.53%+53.7pp | 3525.44%-3512.3pp | 1368.38%-1355.2pp |
| Employer contribution / active EE | $610 | $2,710-77.5% | $2,735-77.7% | $2,625-76.7% |
| Participant deferral / active EE | $1,343 | $3,636-63.1% | $4,003-66.5% | $4,348-69.1% |
| Admin fee / account holder | $917 | $890+3.0% | $4,006-77.1% | $1,944-52.8% |