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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 | $62,146-81.2% | $81,438-85.6% | $74,546-84.3% |
| Participation rate | 51.0% | 64.1%-13.1pp | 69.5%-18.5pp | 67.2%-16.2pp |
| Annual return | 21.30% | 16.49%+4.8pp | 24.74%-3.4pp | 1366.03%-1344.7pp |
| Employer contribution / active EE | $0 | $1,883-100.0% | $2,460-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $1,689 | $3,229-47.7% | $3,883-56.5% | $4,347-61.1% |
| Admin fee / account holder | $1,309 | $1,922-31.9% | $5,764-77.3% | $1,944-32.6% |