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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 | $19,701 | $65,027-69.7% | $90,970-78.3% | $79,852-75.3% |
| Participation rate | 32.7% | 61.6%-29.0pp | 69.0%-36.4pp | 69.6%-37.0pp |
| Annual return | 19.26% | 30.45%-11.2pp | 134.58%-115.3pp | 31.72%-12.5pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,268 | $2,512-9.7% | $3,373-32.8% | $3,740-39.4% |
| Admin fee / account holder | $836 | $4,535-81.6% | $5,960-86.0% | $5,306-84.2% |