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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 | $19,203 | $77,460-75.2% | $100,378-80.9% | $80,925-76.3% |
| Participation rate | 53.1% | 76.9%-23.9pp | 81.5%-28.4pp | 67.7%-14.6pp |
| Annual return | 32.99% | 37.24%-4.2pp | 49.41%-16.4pp | 35.65%-2.7pp |
| Employer contribution / active EE | $0 | $2,801-100.0% | $3,942-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,768 | $6,818-30.1% | $8,087-41.0% | $4,299+10.9% |
| Admin fee / account holder | $388 | $5,887-93.4% | $7,899-95.1% | $6,940-94.4% |