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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 | $4,452 | $63,346-93.0% | $92,240-95.2% | $70,126-93.7% |
| Participation rate | 34.4% | 68.7%-34.3pp | 76.5%-42.1pp | 69.5%-35.2pp |
| Annual return | 38.79% | 530.19%-491.4pp | 176.29%-137.5pp | 73.15%-34.4pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,328 | $2,854-18.4% | $3,897-40.3% | $3,332-30.1% |
| Admin fee / account holder | $377 | $3,841-90.2% | $5,194-92.7% | $4,645-91.9% |