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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 | $8,657 | $51,184-83.1% | $66,439-87.0% | $86,983-90.0% |
| Participation rate | 61.5% | 68.5%-6.9pp | 74.5%-13.0pp | 69.5%-8.0pp |
| Annual return | 17.02% | 17.07%0pp | 757.66%-740.6pp | 25.83%-8.8pp |
| Employer contribution / active EE | $0 | $2,023-100.0% | $2,637-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,801 | $2,927-38.5% | $3,876-53.5% | $4,194-57.1% |
| Admin fee / account holder | $606 | $4,154-85.4% | $6,173-90.2% | $7,856-92.3% |