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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 | $21,261 | $65,704-67.6% | $94,229-77.4% | $59,633-64.3% |
| Participation rate | 62.9% | 72.1%-9.3pp | 78.8%-15.9pp | 68.7%-5.8pp |
| Annual return | -1.52% | 5.22%-6.7pp | 10.68%-12.2pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $169 | $2,021-91.6% | $3,587-95.3% | $2,203-92.3% |
| Participant deferral / active EE | $1,935 | $3,143-38.4% | $4,320-55.2% | $3,192-39.4% |
| Admin fee / account holder | $418 | $4,265-90.2% | $6,269-93.3% | $4,297-90.3% |