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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 | $15,112 | $52,580-71.3% | $71,671-78.9% | $70,126-78.4% |
| Participation rate | 39.1% | 60.9%-21.7pp | 68.7%-29.6pp | 69.5%-30.4pp |
| Annual return | 22.00% | 20.25%+1.7pp | 20.65%+1.3pp | 73.15%-51.2pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,245 | $2,386-47.8% | $3,438-63.8% | $3,332-62.6% |
| Admin fee / account holder | $4,644 | $3,653+27.1% | $5,558-16.5% | $4,6450% |