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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 | $15,859 | $69,977-77.3% | $108,582-85.4% | $62,881-74.8% |
| Participation rate | 52.0% | 72.9%-20.9pp | 79.6%-27.6pp | 69.3%-17.3pp |
| Annual return | 6.78% | 10.73%-3.9pp | -51.70%+58.5pp | 20.14%-13.4pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,670 | $3,165-47.2% | $4,311-61.3% | $3,203-47.9% |
| Admin fee / account holder | $5,340 | $5,076+5.2% | $7,645-30.1% | $4,296+24.3% |