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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 | $15,593 | $78,015-80.0% | $178,505-91.3% | $80,959-80.7% |
| Participation rate | 42.4% | 65.7%-23.3pp | 77.1%-34.7pp | 67.7%-25.3pp |
| Annual return | 23.87% | 18.10%+5.8pp | 27.16%-3.3pp | 35.67%-11.8pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,955-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,537 | $4,406-65.1% | $6,280-75.5% | $4,300-64.3% |
| Admin fee / account holder | $884 | $7,160-87.6% | $10,428-91.5% | $6,925-87.2% |