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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 | $12,080 | $46,877-74.2% | $122,354-90.1% | $70,126-82.8% |
| Participation rate | 41.2% | 58.2%-17.0pp | 71.6%-30.5pp | 69.5%-28.4pp |
| Annual return | 17.41% | 24.22%-6.8pp | 30.28%-12.9pp | 73.15%-55.7pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $934 | $2,167-56.9% | $3,287-71.6% | $3,332-72.0% |
| Admin fee / account holder | $1,848 | $3,324-44.4% | $5,479-66.3% | $4,645-60.2% |