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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 | $18,008 | $80,705-77.7% | $115,768-84.4% | $67,986-73.5% |
| Participation rate | 31.5% | 63.0%-31.4pp | 74.4%-42.9pp | 57.2%-25.7pp |
| Annual return | 15.81% | 18.49%-2.7pp | 100.46%-84.7pp | 31.67%-15.9pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $2,940-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,520 | $3,559-29.2% | $4,917-48.7% | $3,358-24.9% |
| Admin fee / account holder | $1,242 | $4,135-70.0% | $12,439-90.0% | $3,203-61.2% |