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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 | $4,636 | $52,279-91.1% | $89,435-94.8% | $79,856-94.2% |
| Participation rate | 35.7% | 57.5%-21.8pp | 68.0%-32.3pp | 69.6%-33.9pp |
| Annual return | 0.00% | 22.16%-22.2pp | 245.55%-245.6pp | 31.71%-31.7pp |
| Employer contribution / active EE | $216 | $1,572-86.3% | $2,587-91.6% | $2,471-91.3% |
| Participant deferral / active EE | $1,319 | $2,740-51.9% | $3,890-66.1% | $3,741-64.7% |
| Admin fee / account holder | $326 | $3,356-90.3% | $4,884-93.3% | $5,306-93.9% |