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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 | $9,552 | $85,171-88.8% | $172,752-94.5% | $72,975-86.9% |
| Participation rate | 25.8% | 70.1%-44.3pp | 82.6%-56.8pp | 69.5%-43.7pp |
| Annual return | 21.53% | 27.32%-5.8pp | 802.97%-781.4pp | 81.01%-59.5pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,370 | $3,260-58.0% | $5,198-73.6% | $3,608-62.0% |
| Admin fee / account holder | $3,101 | $5,880-47.3% | $13,955-77.8% | $5,124-39.5% |