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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 | $16,679 | $54,320-69.3% | $67,652-75.3% | $52,331-68.1% |
| Participation rate | 49.2% | 73.6%-24.4pp | 75.7%-26.5pp | 68.1%-18.9pp |
| Annual return | 0.78% | 6.81%-6.0pp | 6625.40%-6624.6pp | 4.54%-3.8pp |
| Employer contribution / active EE | $185 | $1,544-88.0% | $2,266-91.8% | $1,882-90.2% |
| Participant deferral / active EE | $1,605 | $2,950-45.6% | $3,560-54.9% | $3,022-46.9% |
| Admin fee / account holder | $732 | $527+39.0% | $4,821-84.8% | $592+23.7% |