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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 | $1,628 | $113,338-98.6% | $94,993-98.3% | $147,586-98.9% |
| Participation rate | 46.7% | 78.0%-31.3pp | 73.9%-27.2pp | 82.8%-36.2pp |
| Annual return | 14.46% | 20.80%-6.3pp | 27.14%-12.7pp | 578.59%-564.1pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $2,603-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,484 | $3,777-60.7% | $3,317-55.3% | $5,439-72.7% |
| Admin fee / account holder | $2,666 | $6,063-56.0% | $4,960-46.2% | $10,886-75.5% |