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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 | $14,924 | $74,535-80.0% | $100,712-85.2% | $82,637-81.9% |
| Participation rate | 55.1% | 61.2%-6.1pp | 69.3%-14.2pp | 68.1%-13.0pp |
| Annual return | 48.88% | 18.92%+30.0pp | 33.27%+15.6pp | 53.51%-4.6pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,261 | $3,074-26.4% | $4,085-44.6% | $4,126-45.2% |
| Admin fee / account holder | $3,071 | $6,576-53.3% | $9,256-66.8% | $7,339-58.2% |