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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 | $8,816 | $64,359-86.3% | $90,161-90.2% | $70,126-87.4% |
| Participation rate | 41.4% | 70.4%-29.1pp | 76.9%-35.5pp | 69.5%-28.2pp |
| Annual return | 24.96% | 28.13%-3.2pp | 34.89%-9.9pp | 73.15%-48.2pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,708 | $4,389-15.5% | $5,287-29.9% | $3,332+11.3% |
| Admin fee / account holder | $3,940 | $3,945-0.1% | $5,943-33.7% | $4,645-15.2% |