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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 | $28,257 | $80,332-64.8% | $107,187-73.6% | $64,097-55.9% |
| Participation rate | 35.3% | 54.4%-19.1pp | 75.0%-39.7pp | 55.2%-19.9pp |
| Annual return | 15.17% | 24.26%-9.1pp | 204.55%-189.4pp | 34.64%-19.5pp |
| Employer contribution / active EE | $482 | $2,501-80.7% | $3,782-87.3% | $1,891-74.5% |
| Participant deferral / active EE | $2,199 | $3,109-29.3% | $5,096-56.9% | $3,080-28.6% |
| Admin fee / account holder | $9,897 | $4,314+129.4% | $9,162+8.0% | $3,454+186.5% |