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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 | $17,908 | $54,541-67.2% | $78,778-77.3% | $70,126-74.5% |
| Participation rate | 37.7% | 60.8%-23.1pp | 69.2%-31.5pp | 69.5%-31.8pp |
| Annual return | 19.00% | 21.07%-2.1pp | 35.62%-16.6pp | 73.15%-54.2pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,790 | $2,210-19.0% | $2,958-39.5% | $3,332-46.3% |
| Admin fee / account holder | $766 | $3,709-79.3% | $5,134-85.1% | $4,645-83.5% |