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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 | $8,118 | $75,832-89.3% | $147,617-94.5% | $59,633-86.4% |
| Participation rate | 60.5% | 71.6%-11.0pp | 84.6%-24.1pp | 68.7%-8.1pp |
| Annual return | -1.60% | 0.37%-2.0pp | 61.98%-63.6pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $200 | $3,485-94.3% | $5,564-96.4% | $2,203-90.9% |
| Participant deferral / active EE | $1,253 | $3,131-60.0% | $4,895-74.4% | $3,192-60.8% |
| Admin fee / account holder | $558 | $5,986-90.7% | $11,612-95.2% | $4,297-87.0% |