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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 | $12,971 | $84,236-84.6% | $170,435-92.4% | $70,126-81.5% |
| Participation rate | 63.8% | 70.8%-7.0pp | 83.6%-19.8pp | 69.5%-5.7pp |
| Annual return | 16.49% | 23.06%-6.6pp | 205.94%-189.4pp | 73.15%-56.7pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,217 | $3,086-28.2% | $4,939-55.1% | $3,332-33.5% |
| Admin fee / account holder | $343 | $5,698-94.0% | $13,881-97.5% | $4,645-92.6% |