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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 | $10,362 | $65,960-84.3% | $81,882-87.3% | $77,762-86.7% |
| Participation rate | 22.0% | 65.8%-43.8pp | 72.4%-50.4pp | 70.6%-48.6pp |
| Annual return | 21.57% | 26.64%-5.1pp | 779.47%-757.9pp | 31.27%-9.7pp |
| Employer contribution / active EE | $0 | $2,375-100.0% | $2,916-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,321 | $3,505-62.3% | $4,323-69.4% | $4,651-71.6% |
| Admin fee / account holder | $1,908 | $526+262.4% | $7,360-74.1% | $433+340.8% |