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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 | $8,278 | $60,128-86.2% | $90,440-90.8% | $79,852-89.6% |
| Participation rate | 65.1% | 65.0%+0.1pp | 72.7%-7.6pp | 69.6%-4.6pp |
| Annual return | 15.49% | 71.95%-56.5pp | 1294.38%-1278.9pp | 31.72%-16.2pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $3,263-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,699 | $2,939-42.2% | $3,964-57.1% | $3,740-54.6% |
| Admin fee / account holder | $532 | $3,977-86.6% | $5,615-90.5% | $5,306-90.0% |