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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 | $24,389 | $67,602-63.9% | $82,312-70.4% | $70,126-65.2% |
| Participation rate | 30.7% | 72.8%-42.1pp | 76.9%-46.2pp | 69.5%-38.9pp |
| Annual return | 14.34% | 21.57%-7.2pp | 25.88%-11.5pp | 73.15%-58.8pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,523 | $2,987-49.0% | $3,706-58.9% | $3,332-54.3% |
| Admin fee / account holder | $7,069 | $4,512+56.7% | $5,608+26.1% | $4,645+52.2% |