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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 | $14,686 | $63,949-77.0% | $129,031-88.6% | $94,015-84.4% |
| Participation rate | 39.2% | 63.4%-24.2pp | 73.4%-34.2pp | 70.8%-31.6pp |
| Annual return | 18.13% | 17.56%+0.6pp | 34.67%-16.5pp | 17.84%+0.3pp |
| Employer contribution / active EE | $0 | $1,865-100.0% | $3,226-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,427 | $3,686-61.3% | $5,217-72.7% | $4,249-66.4% |
| Admin fee / account holder | $1,152 | $5,523-79.1% | $13,208-91.3% | $8,951-87.1% |