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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 | $13,535 | $85,171-84.1% | $172,753-92.2% | $72,976-81.5% |
| Participation rate | 27.8% | 70.1%-42.3pp | 82.6%-54.9pp | 69.5%-41.7pp |
| Annual return | 26.64% | 27.32%-0.7pp | 803.00%-776.4pp | 81.02%-54.4pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,461 | $3,260-24.5% | $5,198-52.7% | $3,608-31.8% |
| Admin fee / account holder | $2,124 | $5,880-63.9% | $13,956-84.8% | $5,124-58.6% |