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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 | $3,574 | $52,353-93.2% | $120,225-97.0% | $82,448-95.7% |
| Participation rate | 69.7% | 58.3%+11.4pp | 69.6%+0.2pp | 68.1%+1.7pp |
| Annual return | 14.75% | 61.85%-47.1pp | 439.23%-424.5pp | 41.64%-26.9pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,122 | $2,627-57.3% | $3,999-72.0% | $4,139-72.9% |
| Admin fee / account holder | $540 | $4,363-87.6% | $5,696-90.5% | $7,234-92.5% |