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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 | $21,919 | $65,034-66.3% | $90,970-75.9% | $79,856-72.6% |
| Participation rate | 37.0% | 61.6%-24.7pp | 69.0%-32.1pp | 69.6%-32.7pp |
| Annual return | 22.21% | 30.45%-8.2pp | 134.60%-112.4pp | 31.71%-9.5pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,948 | $2,512-22.4% | $3,373-42.2% | $3,741-47.9% |
| Admin fee / account holder | $847 | $4,536-81.3% | $5,961-85.8% | $5,306-84.0% |