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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 | $22,694 | $153,769-85.2% | $133,975-83.1% | $273,972-91.7% |
| Participation rate | 61.9% | 88.4%-26.5pp | 87.1%-25.2pp | 83.0%-21.1pp |
| Annual return | 10.72% | 36.51%-25.8pp | 29.29%-18.6pp | 41.46%-30.7pp |
| Employer contribution / active EE | $0 | $6,029-100.0% | $5,211-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,862 | $6,958-44.5% | $6,282-38.5% | $5,287-27.0% |
| Admin fee / account holder | $1,302 | $11,765-88.9% | $9,324-86.0% | $10,133-87.2% |