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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 | $11,363 | $60,119-81.1% | $90,430-87.4% | $79,858-85.8% |
| Participation rate | 25.6% | 65.0%-39.3pp | 72.7%-47.0pp | 69.6%-44.0pp |
| Annual return | 21.08% | 71.94%-50.9pp | 1293.73%-1272.6pp | 31.72%-10.6pp |
| Employer contribution / active EE | $48 | $2,068-97.7% | $3,262-98.5% | $2,471-98.1% |
| Participant deferral / active EE | $910 | $2,938-69.0% | $3,963-77.0% | $3,740-75.7% |
| Admin fee / account holder | $722 | $3,976-81.8% | $5,613-87.1% | $5,306-86.4% |