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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 | $16,295 | $71,215-77.1% | $93,696-82.6% | $80,935-79.9% |
| Participation rate | 36.4% | 60.4%-24.0pp | 68.7%-32.4pp | 67.7%-31.3pp |
| Annual return | 22.60% | 11.27%+11.3pp | 133.74%-111.1pp | 35.66%-13.1pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,866 | $4,037-4.2% | $4,417-12.5% | $4,299-10.1% |
| Admin fee / account holder | $513 | $6,958-92.6% | $8,287-93.8% | $6,924-92.6% |