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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 | $14,622 | $56,197-74.0% | $67,652-78.4% | $59,633-75.5% |
| Participation rate | 46.0% | 71.5%-25.5pp | 75.7%-29.7pp | 68.7%-22.7pp |
| Annual return | -1.99% | 18508.10%-18510.1pp | 6625.40%-6627.4pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,266-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,482 | $2,844-12.7% | $3,560-30.3% | $3,192-22.2% |
| Admin fee / account holder | $1,003 | $3,958-74.7% | $4,821-79.2% | $4,297-76.7% |