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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 | $3,519 | $47,105-92.5% | $68,368-94.9% | $67,986-94.8% |
| Participation rate | 30.1% | 51.8%-21.7pp | 73.8%-43.7pp | 57.2%-27.1pp |
| Annual return | 16.91% | 48.37%-31.5pp | 292.57%-275.7pp | 31.67%-14.8pp |
| Employer contribution / active EE | $0 | $1,859-100.0% | $2,649-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $472 | $2,374-80.1% | $4,123-88.6% | $3,358-86.0% |
| Admin fee / account holder | $322 | $2,435-86.8% | $5,150-93.8% | $3,203-90.0% |