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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 | $12,482 | $78,705-84.1% | $117,860-89.4% | $70,124-82.2% |
| Participation rate | 53.8% | 73.2%-19.3pp | 79.7%-25.8pp | 69.5%-15.7pp |
| Annual return | 18.02% | 23.30%-5.3pp | 335.10%-317.1pp | 73.14%-55.1pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,930 | $3,297-41.5% | $4,482-56.9% | $3,332-42.1% |
| Admin fee / account holder | $1,137 | $5,065-77.6% | $8,021-85.8% | $4,645-75.5% |