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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 | $24,302 | $102,422-76.3% | $147,117-83.5% | $80,959-70.0% |
| Participation rate | 35.3% | 75.9%-40.6pp | 82.2%-46.9pp | 67.7%-32.4pp |
| Annual return | 12.04% | 135.16%-123.1pp | 420.54%-408.5pp | 35.67%-23.6pp |
| Employer contribution / active EE | $654 | $3,717-82.4% | $4,932-86.7% | $2,757-76.3% |
| Participant deferral / active EE | $2,970 | $6,652-55.4% | $8,065-63.2% | $4,300-30.9% |
| Admin fee / account holder | $1,537 | $7,953-80.7% | $12,993-88.2% | $6,925-77.8% |