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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 | $14,135 | $80,763-82.5% | $102,412-86.2% | $74,459-81.0% |
| Participation rate | 42.9% | 65.7%-22.7pp | 74.5%-31.6pp | 67.2%-24.3pp |
| Annual return | 14.47% | 27.57%-13.1pp | 24.94%-10.5pp | 1369.70%-1355.2pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $3,870-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,017 | $3,862-21.9% | $5,060-40.4% | $4,350-30.6% |
| Admin fee / account holder | $367 | $2,371-84.5% | $8,388-95.6% | $1,945-81.1% |