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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 | $11,929 | $100,060-88.1% | $149,721-92.0% | $70,126-83.0% |
| Participation rate | 67.6% | 83.6%-15.9pp | 87.1%-19.4pp | 69.5%-1.9pp |
| Annual return | 26.22% | 27.46%-1.2pp | 1501.67%-1475.5pp | 73.15%-46.9pp |
| Employer contribution / active EE | $516 | $3,661-85.9% | $5,444-90.5% | $2,343-78.0% |
| Participant deferral / active EE | $3,428 | $4,982-31.2% | $6,568-47.8% | $3,332+2.9% |
| Admin fee / account holder | $640 | $8,285-92.3% | $11,282-94.3% | $4,645-86.2% |