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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 | $18,122 | $154,145-88.2% | $130,014-86.1% | $139,427-87.0% |
| Participation rate | 65.2% | 82.0%-16.7pp | 78.5%-13.3pp | 80.3%-15.1pp |
| Annual return | 15.39% | 32.49%-17.1pp | -137.22%+152.6pp | 373.27%-357.9pp |
| Employer contribution / active EE | $606 | $5,290-88.5% | $4,320-86.0% | $4,752-87.2% |
| Participant deferral / active EE | $3,039 | $6,711-54.7% | $5,821-47.8% | $6,711-54.7% |
| Admin fee / account holder | $2,630 | $14,009-81.2% | $10,616-75.2% | $11,404-76.9% |