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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 | $25,197 | $76,112-66.9% | $96,544-73.9% | $71,529-64.8% |
| Participation rate | 43.6% | 74.4%-30.8pp | 76.0%-32.4pp | 67.9%-24.4pp |
| Annual return | 20.97% | 22.80%-1.8pp | 25.88%-4.9pp | 28.97%-8.0pp |
| Employer contribution / active EE | $0 | $2,248-100.0% | $2,966-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $2,931 | $4,217-30.5% | $4,851-39.6% | $4,291-31.7% |
| Admin fee / account holder | $1,861 | $2,708-31.3% | $8,254-77.5% | $1,588+17.2% |