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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 | $14,185 | $88,672-84.0% | $105,223-86.5% | $82,448-82.8% |
| Participation rate | 21.1% | 67.9%-46.9pp | 75.0%-54.0pp | 68.1%-47.0pp |
| Annual return | 16.55% | 30.86%-14.3pp | 180.65%-164.1pp | 41.64%-25.1pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,826 | $4,036-54.8% | $5,072-64.0% | $4,139-55.9% |
| Admin fee / account holder | $2,537 | $7,146-64.5% | $8,859-71.4% | $7,234-64.9% |