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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 | $18,469 | $89,367-79.3% | $141,191-86.9% | $72,975-74.7% |
| Participation rate | 59.5% | 75.1%-15.7pp | 82.5%-23.0pp | 69.5%-10.0pp |
| Annual return | 22.61% | 111.87%-89.3pp | 71.41%-48.8pp | 81.01%-58.4pp |
| Employer contribution / active EE | $419 | $3,115-86.6% | $4,736-91.2% | $2,440-82.8% |
| Participant deferral / active EE | $2,477 | $5,419-54.3% | $6,710-63.1% | $3,608-31.3% |
| Admin fee / account holder | $329 | $5,957-94.5% | $10,264-96.8% | $5,124-93.6% |