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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 | $19,045 | $54,541-65.1% | $78,778-75.8% | $70,126-72.8% |
| Participation rate | 59.6% | 60.8%-1.2pp | 69.2%-9.5pp | 69.5%-9.9pp |
| Annual return | 18.83% | 21.07%-2.2pp | 35.62%-16.8pp | 73.15%-54.3pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,509 | $2,210-31.7% | $2,958-49.0% | $3,332-54.7% |
| Admin fee / account holder | $450 | $3,709-87.9% | $5,134-91.2% | $4,645-90.3% |