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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 | $16,543 | $48,364-65.8% | $71,796-77.0% | $62,881-73.7% |
| Participation rate | 57.4% | 60.6%-3.2pp | 69.1%-11.7pp | 69.3%-11.9pp |
| Annual return | 6.70% | 13.16%-6.5pp | 78.04%-71.3pp | 20.14%-13.4pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,474 | $2,091-29.5% | $2,794-47.3% | $3,203-54.0% |
| Admin fee / account holder | $672 | $3,771-82.2% | $4,815-86.0% | $4,296-84.3% |