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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 | $18,164 | $77,574-76.6% | $108,753-83.3% | $86,983-79.1% |
| Participation rate | 56.8% | 62.3%-5.5pp | 71.1%-14.3pp | 69.5%-12.7pp |
| Annual return | 23.64% | 18.42%+5.2pp | 37.47%-13.8pp | 25.83%-2.2pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $4,194 | $3,128+34.1% | $4,115+1.9% | $4,1940% |
| Admin fee / account holder | $2,869 | $6,529-56.1% | $10,320-72.2% | $7,856-63.5% |