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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 | $11,005 | $59,006-81.3% | $97,161-88.7% | $74,400-85.2% |
| Participation rate | 32.5% | 63.7%-31.2pp | 72.7%-40.2pp | 67.2%-34.7pp |
| Annual return | 11.94% | 16.04%-4.1pp | 75.36%-63.4pp | 1367.51%-1355.6pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,723-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $1,379 | $3,671-62.4% | $4,265-67.7% | $4,348-68.3% |
| Admin fee / account holder | $723 | $1,974-63.4% | $5,647-87.2% | $1,944-62.8% |