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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 | $7,296 | $48,327-84.9% | $67,575-89.2% | $80,935-91.0% |
| Participation rate | 19.1% | 66.4%-47.3pp | 72.9%-53.8pp | 67.7%-48.5pp |
| Annual return | 16.50% | 18.31%-1.8pp | 3528.98%-3512.5pp | 35.66%-19.2pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,736-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $985 | $2,927-66.4% | $4,003-75.4% | $4,299-77.1% |
| Admin fee / account holder | $1,064 | $3,692-71.2% | $3,993-73.4% | $6,924-84.6% |