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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 | $27,872 | $83,485-66.6% | $125,192-77.7% | $72,975-61.8% |
| Participation rate | 30.8% | 73.3%-42.5pp | 79.8%-49.0pp | 69.5%-38.7pp |
| Annual return | 26.00% | 25.77%+0.2pp | 43.79%-17.8pp | 81.01%-55.0pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,663 | $3,586-53.6% | $4,937-66.3% | $3,608-53.9% |
| Admin fee / account holder | $1,602 | $5,518-71.0% | $9,704-83.5% | $5,124-68.7% |