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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 | $10,726 | $124,351-91.4% | $109,188-90.2% | $167,553-93.6% |
| Participation rate | 52.2% | 79.4%-27.3pp | 75.9%-23.7pp | 82.1%-29.9pp |
| Annual return | 12.69% | 26.04%-13.4pp | 25.76%-13.1pp | 478.89%-466.2pp |
| Employer contribution / active EE | $0 | $4,210-100.0% | $3,723-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $1,829 | $5,257-65.2% | $4,654-60.7% | $6,343-71.2% |
| Admin fee / account holder | $1,736 | $7,975-78.2% | $6,755-74.3% | $12,316-85.9% |