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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 | $16,545 | $64,705-74.4% | $62,929-73.7% | $67,986-75.7% |
| Participation rate | 34.5% | 65.6%-31.1pp | 73.1%-38.6pp | 57.2%-22.7pp |
| Annual return | 15.39% | 20.31%-4.9pp | 1063.93%-1048.5pp | 31.67%-16.3pp |
| Employer contribution / active EE | $522 | $2,376-78.0% | $2,505-79.2% | $2,019-74.2% |
| Participant deferral / active EE | $1,040 | $3,198-67.5% | $3,888-73.3% | $3,358-69.0% |
| Admin fee / account holder | $2,190 | $1,428+53.4% | $5,065-56.8% | $3,203-31.6% |