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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 | $12,903 | $70,666-81.7% | $169,385-92.4% | $75,181-82.8% |
| Participation rate | 40.4% | 64.8%-24.4pp | 77.2%-36.8pp | 67.2%-26.8pp |
| Annual return | 20.92% | 36.37%-15.4pp | 405.82%-384.9pp | 160.69%-139.8pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $4,012-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,504 | $4,308-65.1% | $6,221-75.8% | $4,126-63.5% |
| Admin fee / account holder | $523 | $5,402-90.3% | $9,011-94.2% | $5,650-90.8% |