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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 | $94,436-79.5% | $115,599-83.2% | $82,637-76.5% |
| Participation rate | 42.9% | 70.4%-27.6pp | 74.3%-31.4pp | 68.1%-25.2pp |
| Annual return | 17.03% | 18.37%-1.3pp | 111.10%-94.1pp | 53.51%-36.5pp |
| Employer contribution / active EE | $0 | $2,324-100.0% | $2,955-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,261 | $3,955-42.8% | $4,889-53.8% | $4,126-45.2% |
| Admin fee / account holder | $2,395 | $10,328-76.8% | $12,841-81.3% | $7,339-67.4% |