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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 | $11,011 | $43,496-74.7% | $161,489-93.2% | $64,340-82.9% |
| Participation rate | 27.8% | 53.5%-25.7pp | 78.7%-50.9pp | 55.2%-27.5pp |
| Annual return | 14.98% | 20.76%-5.8pp | 89.72%-74.7pp | 24.14%-9.2pp |
| Employer contribution / active EE | $0 | $1,431-100.0% | $4,268-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,383 | $1,996-30.7% | $5,630-75.4% | $2,980-53.6% |
| Admin fee / account holder | $975 | $2,330-58.2% | $16,006-93.9% | $3,703-73.7% |