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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 | $12,656 | $96,236-86.8% | $133,698-90.5% | $80,959-84.4% |
| Participation rate | 65.3% | 71.2%-5.9pp | 76.4%-11.1pp | 67.7%-2.4pp |
| Annual return | 12.72% | 28.74%-16.0pp | 580.90%-568.2pp | 35.67%-22.9pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $4,218-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,061 | $5,709-63.9% | $7,016-70.6% | $4,300-52.1% |
| Admin fee / account holder | $432 | $8,250-94.8% | $6,703-93.6% | $6,925-93.8% |