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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 | $13,702 | $106,749-87.2% | $145,433-90.6% | $82,448-83.4% |
| Participation rate | 42.1% | 75.6%-33.5pp | 82.1%-40.0pp | 68.1%-26.0pp |
| Annual return | 19.73% | 27.59%-7.9pp | 66.58%-46.8pp | 41.64%-21.9pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,929 | $6,519-55.1% | $7,897-62.9% | $4,139-29.2% |
| Admin fee / account holder | $2,912 | $8,390-65.3% | $13,129-77.8% | $7,234-59.7% |