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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 | $19,360 | $56,197-65.5% | $67,652-71.4% | $59,633-67.5% |
| Participation rate | 36.5% | 71.5%-35.0pp | 75.7%-39.2pp | 68.7%-32.2pp |
| Annual return | -0.18% | 18508.10%-18508.3pp | 6625.40%-6625.6pp | 2041.45%-2041.6pp |
| Employer contribution / active EE | $280 | $1,615-82.6% | $2,266-87.6% | $2,203-87.3% |
| Participant deferral / active EE | $1,478 | $2,844-48.0% | $3,560-58.5% | $3,192-53.7% |
| Admin fee / account holder | $3,954 | $3,958-0.1% | $4,821-18.0% | $4,297-8.0% |