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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 | $13,321 | $65,034-79.5% | $90,970-85.4% | $79,856-83.3% |
| Participation rate | 51.3% | 61.6%-10.3pp | 69.0%-17.7pp | 69.6%-18.4pp |
| Annual return | 17.17% | 30.45%-13.3pp | 134.60%-117.4pp | 31.71%-14.5pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,184 | $2,512+26.7% | $3,373-5.6% | $3,741-14.9% |
| Admin fee / account holder | $944 | $4,536-79.2% | $5,961-84.2% | $5,306-82.2% |