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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 | $7,889 | $55,470-85.8% | $155,556-94.9% | $74,478-89.4% |
| Participation rate | 30.8% | 61.9%-31.1pp | 78.2%-47.5pp | 67.2%-36.5pp |
| Annual return | 12.13% | 269.80%-257.7pp | 64.84%-52.7pp | 1370.56%-1358.4pp |
| Employer contribution / active EE | $0 | $2,267-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,193 | $2,838-58.0% | $5,631-78.8% | $4,350-72.6% |
| Admin fee / account holder | $707 | $1,744-59.5% | $15,885-95.5% | $1,946-63.7% |