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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 | $15,956 | $156,616-89.8% | $133,346-88.0% | $198,609-92.0% |
| Participation rate | 42.9% | 77.7%-34.9pp | 72.8%-30.0pp | 82.4%-39.5pp |
| Annual return | 17.00% | 44.25%-27.2pp | 36.85%-19.8pp | 202.70%-185.7pp |
| Employer contribution / active EE | $0 | $3,368-100.0% | $2,853-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $1,871 | $4,920-62.0% | $4,332-56.8% | $6,977-73.2% |
| Admin fee / account holder | $4,166 | $17,468-76.1% | $14,264-70.8% | $19,030-78.1% |