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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 | $13,972 | $70,486-80.2% | $100,528-86.1% | $79,852-82.5% |
| Participation rate | 18.5% | 73.6%-55.1pp | 79.4%-60.9pp | 69.6%-51.1pp |
| Annual return | 14.54% | 21.90%-7.4pp | 30.90%-16.4pp | 31.72%-17.2pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,457 | $5,182-52.6% | $6,271-60.8% | $3,740-34.3% |
| Admin fee / account holder | $879 | $4,480-80.4% | $8,084-89.1% | $5,306-83.4% |