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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 | $19,396 | $94,031-79.4% | $115,768-83.2% | $82,448-76.5% |
| Participation rate | 42.9% | 70.4%-27.6pp | 74.4%-31.5pp | 68.1%-25.2pp |
| Annual return | 17.03% | 20.61%-3.6pp | 100.46%-83.4pp | 41.64%-24.6pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,261 | $3,972-43.1% | $4,917-54.0% | $4,139-45.4% |
| Admin fee / account holder | $2,395 | $10,249-76.6% | $12,439-80.7% | $7,234-66.9% |