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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 | $16,599 | $52,678-68.5% | $75,784-78.1% | $59,633-72.2% |
| Participation rate | 36.4% | 67.2%-30.9pp | 75.8%-39.5pp | 68.7%-32.3pp |
| Annual return | 0.08% | 2.95%-2.9pp | 9.68%-9.6pp | 2041.45%-2041.4pp |
| Employer contribution / active EE | $175 | $2,193-92.0% | $3,323-94.7% | $2,203-92.0% |
| Participant deferral / active EE | $1,290 | $2,591-50.2% | $3,652-64.7% | $3,192-59.6% |
| Admin fee / account holder | $435 | $3,610-88.0% | $5,300-91.8% | $4,297-89.9% |