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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 | $14,344 | $74,661-80.8% | $160,784-91.1% | $67,986-78.9% |
| Participation rate | 38.6% | 57.1%-18.5pp | 77.0%-38.4pp | 57.2%-18.6pp |
| Annual return | 28.47% | 28.83%-0.4pp | 1803.92%-1775.5pp | 31.67%-3.2pp |
| Employer contribution / active EE | $259 | $1,829-85.8% | $3,733-93.1% | $2,019-87.2% |
| Participant deferral / active EE | $2,649 | $3,681-28.0% | $6,293-57.9% | $3,358-21.1% |
| Admin fee / account holder | $690 | $3,959-82.6% | $9,717-92.9% | $3,203-78.5% |