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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 | $11,689 | $62,177-81.2% | $81,370-85.6% | $74,478-84.3% |
| Participation rate | 51.0% | 64.1%-13.1pp | 69.5%-18.6pp | 67.2%-16.3pp |
| Annual return | 21.30% | 16.62%+4.7pp | 24.85%-3.5pp | 1370.56%-1349.3pp |
| Employer contribution / active EE | $0 | $1,881-100.0% | $2,464-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,689 | $3,219-47.5% | $3,885-56.5% | $4,350-61.2% |
| Admin fee / account holder | $1,309 | $1,927-32.1% | $5,749-77.2% | $1,946-32.7% |