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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 | $18,586 | $70,430-73.6% | $96,572-80.8% | $85,851-78.4% |
| Participation rate | 55.3% | 61.8%-6.5pp | 69.8%-14.5pp | 69.3%-14.0pp |
| Annual return | 14.12% | 18.58%-4.5pp | 37.79%-23.7pp | 318.63%-304.5pp |
| Employer contribution / active EE | $6 | $1,413-99.6% | $2,357-99.8% | $2,565-99.8% |
| Participant deferral / active EE | $6,088 | $2,894+110.3% | $3,850+58.1% | $3,952+54.0% |
| Admin fee / account holder | $2,151 | $4,996-56.9% | $6,183-65.2% | $6,261-65.6% |