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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 | $31,933 | $79,223-59.7% | $102,460-68.8% | $74,478-57.1% |
| Participation rate | 63.6% | 74.8%-11.2pp | 76.5%-13.0pp | 67.2%-3.7pp |
| Annual return | 20.39% | 54.98%-34.6pp | 29.47%-9.1pp | 1370.56%-1350.2pp |
| Employer contribution / active EE | $470 | $2,363-80.1% | $3,025-84.5% | $2,626-82.1% |
| Participant deferral / active EE | $3,873 | $4,417-12.3% | $5,056-23.4% | $4,350-11.0% |
| Admin fee / account holder | $2,974 | $2,003+48.5% | $9,460-68.6% | $1,946+52.8% |