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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 | $7,662 | $71,215-89.2% | $93,696-91.8% | $80,935-90.5% |
| Participation rate | 30.3% | 60.4%-30.1pp | 68.7%-38.4pp | 67.7%-37.4pp |
| Annual return | 11.73% | 11.27%+0.5pp | 133.74%-122.0pp | 35.66%-23.9pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,862 | $4,037-53.9% | $4,417-57.8% | $4,299-56.7% |
| Admin fee / account holder | $1,854 | $6,958-73.4% | $8,287-77.6% | $6,924-73.2% |