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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 | $22,034 | $106,524-79.3% | $152,301-85.5% | $87,485-74.8% |
| Participation rate | 44.3% | 75.8%-31.5pp | 82.4%-38.2pp | 68.9%-24.6pp |
| Annual return | 22.38% | 26.89%-4.5pp | 80.50%-58.1pp | 26.06%-3.7pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,733 | $6,525-58.1% | $8,004-65.9% | $4,274-36.1% |
| Admin fee / account holder | $964 | $8,287-88.4% | $14,398-93.3% | $7,775-87.6% |