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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 | $6,462 | $100,901-93.6% | $75,501-91.4% | $147,586-95.6% |
| Participation rate | 41.2% | 77.1%-36.0pp | 72.4%-31.2pp | 82.8%-41.7pp |
| Annual return | 11.98% | 35.78%-23.8pp | 27.35%-15.4pp | 578.59%-566.6pp |
| Employer contribution / active EE | $0 | $3,253-100.0% | $2,352-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $3,674 | $4,027-8.8% | $3,142+16.9% | $5,439-32.4% |
| Admin fee / account holder | $3,915 | $11,285-65.3% | $5,801-32.5% | $10,886-64.0% |