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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 | $8,689 | $81,358-89.3% | $155,556-94.4% | $80,959-89.3% |
| Participation rate | 36.0% | 66.3%-30.3pp | 78.2%-42.2pp | 67.7%-31.7pp |
| Annual return | 13.92% | 33.39%-19.5pp | 64.84%-50.9pp | 35.67%-21.8pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,617 | $3,455-53.2% | $5,631-71.3% | $4,300-62.4% |
| Admin fee / account holder | $1,435 | $7,994-82.0% | $15,885-91.0% | $6,925-79.3% |