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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 | $4,720 | $30,423-84.5% | $56,025-91.6% | $74,478-93.7% |
| Participation rate | 9.5% | 32.9%-23.4pp | 52.5%-43.0pp | 67.2%-57.8pp |
| Annual return | 11.23% | 24.97%-13.7pp | 1712.69%-1701.5pp | 1370.56%-1359.3pp |
| Employer contribution / active EE | $48 | $610-92.2% | $1,042-95.4% | $2,626-98.2% |
| Participant deferral / active EE | $283 | $1,176-76.0% | $1,955-85.5% | $4,350-93.5% |
| Admin fee / account holder | $487 | $2,363-79.4% | $2,828-82.8% | $1,946-75.0% |