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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 | $14,589 | $89,515-83.7% | $103,065-85.8% | $80,959-82.0% |
| Participation rate | 40.0% | 76.0%-36.0pp | 80.6%-40.6pp | 67.7%-27.7pp |
| Annual return | 17.02% | 22.82%-5.8pp | 23.95%-6.9pp | 35.67%-18.6pp |
| Employer contribution / active EE | $0 | $4,015-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,377 | $5,463-38.2% | $6,625-49.0% | $4,300-21.5% |
| Admin fee / account holder | $3,268 | $6,527-49.9% | $9,349-65.0% | $6,925-52.8% |