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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 | $12,716 | $75,828-83.2% | $147,617-91.4% | $59,632-78.7% |
| Participation rate | 53.2% | 71.6%-18.4pp | 84.6%-31.4pp | 68.7%-15.5pp |
| Annual return | -1.45% | 0.37%-1.8pp | 61.98%-63.4pp | 2041.32%-2042.8pp |
| Employer contribution / active EE | $141 | $3,485-96.0% | $5,565-97.5% | $2,203-93.6% |
| Participant deferral / active EE | $1,257 | $3,130-59.8% | $4,895-74.3% | $3,192-60.6% |
| Admin fee / account holder | $1,998 | $5,985-66.6% | $11,611-82.8% | $4,297-53.5% |