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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 | $11,487 | $45,050-74.5% | $63,018-81.8% | $70,126-83.6% |
| Participation rate | 50.9% | 69.5%-18.6pp | 74.8%-23.9pp | 69.5%-18.7pp |
| Annual return | 0.00% | 18.76%-18.8pp | 87.62%-87.6pp | 73.15%-73.1pp |
| Employer contribution / active EE | $349 | $2,052-83.0% | $2,761-87.4% | $2,343-85.1% |
| Participant deferral / active EE | $1,076 | $2,466-56.4% | $3,330-67.7% | $3,332-67.7% |
| Admin fee / account holder | $1,301 | $2,834-54.1% | $3,601-63.9% | $4,645-72.0% |