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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 | $20,354 | $123,793-83.6% | $177,848-88.6% | $79,856-74.5% |
| Participation rate | 69.8% | 84.7%-14.8pp | 87.7%-17.9pp | 69.6%+0.2pp |
| Annual return | 17.27% | 22.82%-5.5pp | 48.33%-31.1pp | 31.71%-14.4pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,429 | $5,956-42.4% | $7,714-55.5% | $3,741-8.3% |
| Admin fee / account holder | $303 | $7,243-95.8% | $12,431-97.6% | $5,306-94.3% |