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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 | $24,461 | $67,411-63.7% | $91,004-73.1% | $70,126-65.1% |
| Participation rate | 31.1% | 71.4%-40.3pp | 75.6%-44.5pp | 69.5%-38.4pp |
| Annual return | 16.33% | -40.16%+56.5pp | 4.60%+11.7pp | 73.15%-56.8pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,241 | $2,823-56.0% | $3,548-65.0% | $3,332-62.7% |
| Admin fee / account holder | $3,680 | $4,236-13.1% | $5,417-32.1% | $4,645-20.8% |