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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 | $19,697 | $78,520-74.9% | $96,576-79.6% | $82,448-76.1% |
| Participation rate | 56.8% | 77.7%-20.9pp | 81.4%-24.6pp | 68.1%-11.2pp |
| Annual return | 15.00% | 41.30%-26.3pp | 38.47%-23.5pp | 41.64%-26.6pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,092 | $6,754-54.2% | $7,956-61.1% | $4,139-25.3% |
| Admin fee / account holder | $5,940 | $13,455-55.9% | $11,381-47.8% | $7,234-17.9% |