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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 | $18,534 | $68,852-73.1% | $120,524-84.6% | $80,925-77.1% |
| Participation rate | 35.0% | 61.6%-26.6pp | 71.9%-36.9pp | 67.7%-32.7pp |
| Annual return | 12.14% | 23.67%-11.5pp | 107.36%-95.2pp | 35.65%-23.5pp |
| Employer contribution / active EE | $0 | $2,063-100.0% | $3,469-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,448 | $3,187-54.6% | $4,994-71.0% | $4,299-66.3% |
| Admin fee / account holder | $3,575 | $5,781-38.2% | $9,440-62.1% | $6,940-48.5% |