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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 | $18,105 | $78,670-77.0% | $109,173-83.4% | $85,847-78.9% |
| Participation rate | 67.6% | 68.3%-0.6pp | 75.9%-8.2pp | 69.3%-1.7pp |
| Annual return | 13.61% | 25.09%-11.5pp | 25.75%-12.1pp | 318.61%-305.0pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,988 | $3,467+15.0% | $4,654-14.3% | $3,952+0.9% |
| Admin fee / account holder | $1,307 | $5,469-76.1% | $6,755-80.7% | $6,261-79.1% |