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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 | $14,107 | $88,360-84.0% | $145,433-90.3% | $67,986-79.2% |
| Participation rate | 24.1% | 65.5%-41.4pp | 82.1%-58.0pp | 57.2%-33.1pp |
| Annual return | 20.65% | 63.15%-42.5pp | 66.58%-45.9pp | 31.67%-11.0pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $3,431 | $5,932-42.2% | $7,897-56.6% | $3,358+2.2% |
| Admin fee / account holder | $4,304 | $3,313+29.9% | $13,129-67.2% | $3,203+34.4% |