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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 | $36,562 | $109,620-66.6% | $148,496-75.4% | $94,015-61.1% |
| Participation rate | 54.2% | 71.3%-17.0pp | 76.0%-21.8pp | 70.8%-16.6pp |
| Annual return | 13.76% | 17.54%-3.8pp | 12.33%+1.4pp | 17.84%-4.1pp |
| Employer contribution / active EE | $0 | $2,618-100.0% | $3,497-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,533 | $3,831-33.9% | $4,808-47.3% | $4,249-40.4% |
| Admin fee / account holder | $920 | $10,050-90.8% | $19,547-95.3% | $8,951-89.7% |