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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 | $7,472 | $49,896-85.0% | $80,627-90.7% | $75,173-90.1% |
| Participation rate | 44.3% | 55.3%-11.0pp | 67.0%-22.7pp | 67.2%-22.9pp |
| Annual return | 17.60% | 34.67%-17.1pp | 936.76%-919.2pp | 160.72%-143.1pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,723-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,194 | $2,992-60.1% | $4,443-73.1% | $4,126-71.1% |
| Admin fee / account holder | $1,402 | $3,578-60.8% | $5,381-74.0% | $5,651-75.2% |