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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 | $17,987 | $89,367-79.9% | $141,191-87.3% | $72,975-75.4% |
| Participation rate | 65.3% | 75.1%-9.9pp | 82.5%-17.2pp | 69.5%-4.2pp |
| Annual return | 45.39% | 111.87%-66.5pp | 71.41%-26.0pp | 81.01%-35.6pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $7,293 | $5,419+34.6% | $6,710+8.7% | $3,608+102.2% |
| Admin fee / account holder | $2,007 | $5,957-66.3% | $10,264-80.4% | $5,124-60.8% |