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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 | $22,797 | $81,208-71.9% | $98,920-77.0% | $79,852-71.5% |
| Participation rate | 40.5% | 72.5%-32.0pp | 76.0%-35.6pp | 69.6%-29.2pp |
| Annual return | 16.56% | 60.99%-44.4pp | 196.47%-179.9pp | 31.72%-15.2pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $2,689-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,413 | $3,265-56.7% | $4,245-66.7% | $3,740-62.2% |
| Admin fee / account holder | $491 | $6,013-91.8% | $6,643-92.6% | $5,306-90.7% |