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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 | $16,398 | $157,829-89.6% | $136,867-88.0% | $198,609-91.7% |
| Participation rate | 54.2% | 77.2%-23.0pp | 74.5%-20.4pp | 82.4%-28.2pp |
| Annual return | 9.03% | 51.25%-42.2pp | 42.97%-33.9pp | 202.70%-193.7pp |
| Employer contribution / active EE | $0 | $3,923-100.0% | $3,547-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $2,695 | $5,463-50.7% | $4,924-45.3% | $6,977-61.4% |
| Admin fee / account holder | $845 | $11,107-92.4% | $10,340-91.8% | $19,030-95.6% |