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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 | $13,289 | $112,596-88.2% | $152,301-91.3% | $64,728-79.5% |
| Participation rate | 14.9% | 63.6%-48.7pp | 82.4%-67.6pp | 57.9%-43.0pp |
| Annual return | 13.09% | 23.76%-10.7pp | 80.50%-67.4pp | 49.38%-36.3pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,624-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $490 | $6,075-91.9% | $8,004-93.9% | $2,729-82.0% |
| Admin fee / account holder | $1,998 | $996+100.5% | $14,398-86.1% | $1,145+74.5% |