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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 | $22,755 | $67,411-66.2% | $91,004-75.0% | $70,124-67.6% |
| Participation rate | 43.9% | 71.4%-27.5pp | 75.6%-31.7pp | 69.5%-25.6pp |
| Annual return | 29.57% | -40.16%+69.7pp | 4.60%+25.0pp | 73.14%-43.6pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,416 | $2,823-49.8% | $3,548-60.1% | $3,332-57.5% |
| Admin fee / account holder | $1,014 | $4,236-76.1% | $5,417-81.3% | $4,645-78.2% |