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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 | $24,863 | $98,760-74.8% | $149,715-83.4% | $79,858-68.9% |
| Participation rate | 58.5% | 75.8%-17.3pp | 82.5%-24.0pp | 69.6%-11.1pp |
| Annual return | 19.07% | 27.43%-8.4pp | 276.66%-257.6pp | 31.72%-12.6pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,363 | $5,681-23.2% | $6,842-36.2% | $3,740+16.6% |
| Admin fee / account holder | $1,037 | $6,053-82.9% | $9,310-88.9% | $5,306-80.4% |