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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 | $12,544 | $51,620-75.7% | $90,304-86.1% | $65,185-80.8% |
| Participation rate | 43.1% | 68.6%-25.5pp | 73.3%-30.1pp | 70.2%-27.1pp |
| Annual return | 19.76% | 24.94%-5.2pp | 78.13%-58.4pp | 29.38%-9.6pp |
| Employer contribution / active EE | $1 | $2,235-100.0% | $2,855-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,055 | $2,871-63.2% | $3,885-72.8% | $3,514-70.0% |
| Admin fee / account holder | $976 | $384+154.1% | $5,354-81.8% | $847+15.2% |