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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 | $3,166 | $65,395-95.2% | $182,558-98.3% | $72,976-95.7% |
| Participation rate | 51.1% | 65.4%-14.3pp | 78.0%-26.9pp | 69.5%-18.4pp |
| Annual return | 58.47% | 27.68%+30.8pp | 148.59%-90.1pp | 81.02%-22.5pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,076-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,242 | $3,563-65.1% | $5,526-77.5% | $3,608-65.6% |
| Admin fee / account holder | $1,187 | $4,245-72.0% | $8,594-86.2% | $5,124-76.8% |