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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 | $14,218 | $234,190-93.9% | $180,320-92.1% | $198,609-92.8% |
| Participation rate | 47.4% | 77.1%-29.7pp | 71.5%-24.2pp | 82.4%-35.0pp |
| Annual return | 14.38% | 1057.44%-1043.1pp | 778.54%-764.2pp | 202.70%-188.3pp |
| Employer contribution / active EE | $245 | $5,258-95.3% | $4,108-94.0% | $5,055-95.2% |
| Participant deferral / active EE | $1,499 | $4,988-70.0% | $4,304-65.2% | $6,977-78.5% |
| Admin fee / account holder | $2,879 | $12,558-77.1% | $10,000-71.2% | $19,030-84.9% |