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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 | $8,013 | $65,361-87.7% | $92,903-91.4% | $72,983-89.0% |
| Participation rate | 52.5% | 68.3%-15.8pp | 76.0%-23.5pp | 69.5%-17.0pp |
| Annual return | 16.94% | 42.11%-25.2pp | 109.43%-92.5pp | 81.01%-64.1pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,616 | $3,128-48.3% | $4,238-61.9% | $3,608-55.2% |
| Admin fee / account holder | $536 | $4,251-87.4% | $5,795-90.8% | $5,124-89.5% |