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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 | $3,049 | $88,754-96.6% | $81,820-96.3% | $145,877-97.9% |
| Participation rate | 56.5% | 75.1%-18.6pp | 72.4%-15.9pp | 80.3%-23.8pp |
| Annual return | 12.07% | 1031.77%-1019.7pp | 777.93%-765.9pp | 551.28%-539.2pp |
| Employer contribution / active EE | $242 | $3,085-92.2% | $2,915-91.7% | $4,663-94.8% |
| Participant deferral / active EE | $1,221 | $4,648-73.7% | $4,323-71.8% | $6,691-81.8% |
| Admin fee / account holder | $739 | $8,424-91.2% | $7,391-90.0% | $13,402-94.5% |