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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 | $27,387 | $145,431-81.2% | $211,142-87.0% | $87,485-68.7% |
| Participation rate | 58.6% | 84.7%-26.1pp | 87.3%-28.7pp | 68.9%-10.3pp |
| Annual return | 22.62% | 27.21%-4.6pp | 46.84%-24.2pp | 26.06%-3.4pp |
| Employer contribution / active EE | $0 | $4,662-100.0% | $6,442-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,758 | $6,859-30.6% | $9,284-48.8% | $4,274+11.3% |
| Admin fee / account holder | $311 | $17,052-98.2% | $19,076-98.4% | $7,775-96.0% |