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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 | $7,369 | $60,119-87.7% | $90,430-91.9% | $79,858-90.8% |
| Participation rate | 54.0% | 65.0%-11.0pp | 72.7%-18.7pp | 69.6%-15.7pp |
| Annual return | 16.20% | 71.94%-55.7pp | 1293.73%-1277.5pp | 31.72%-15.5pp |
| Employer contribution / active EE | $50 | $2,068-97.6% | $3,262-98.5% | $2,471-98.0% |
| Participant deferral / active EE | $1,068 | $2,938-63.7% | $3,963-73.1% | $3,740-71.4% |
| Admin fee / account holder | $912 | $3,976-77.1% | $5,613-83.8% | $5,306-82.8% |