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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 | $13,898 | $69,515-80.0% | $86,868-84.0% | $85,856-83.8% |
| Participation rate | 37.1% | 66.3%-29.2pp | 71.6%-34.5pp | 69.3%-32.2pp |
| Annual return | 20.75% | 20.12%+0.6pp | 63.53%-42.8pp | 318.58%-297.8pp |
| Employer contribution / active EE | $0 | $1,880-100.0% | $2,496-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,799 | $2,919-38.4% | $3,699-51.4% | $3,952-54.5% |
| Admin fee / account holder | $958 | $5,972-84.0% | $5,829-83.6% | $6,261-84.7% |