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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 | $10,897 | $45,109-75.8% | $85,187-87.2% | $77,736-86.0% |
| Participation rate | 11.1% | 48.7%-37.6pp | 67.5%-56.4pp | 70.6%-59.5pp |
| Annual return | 15.42% | 79.55%-64.1pp | 66.67%-51.2pp | 31.26%-15.8pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,732-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $556 | $2,814-80.2% | $4,525-87.7% | $4,651-88.0% |
| Admin fee / account holder | $2,184 | $915+138.7% | $6,162-64.6% | $433+404.0% |