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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 | $5,941 | $102,547-94.2% | $78,210-92.4% | $147,585-96.0% |
| Participation rate | 29.4% | 74.4%-45.0pp | 68.7%-39.3pp | 82.8%-53.4pp |
| Annual return | 11.57% | 51.08%-39.5pp | 40.90%-29.3pp | 578.58%-567.0pp |
| Employer contribution / active EE | $0 | $2,617-100.0% | $2,034-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,548 | $3,481-55.5% | $2,823-45.1% | $5,439-71.5% |
| Admin fee / account holder | $992 | $5,059-80.4% | $3,758-73.6% | $10,886-90.9% |