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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 | $24,707 | $86,938-71.6% | $102,423-75.9% | $80,925-69.5% |
| Participation rate | 43.2% | 72.4%-29.2pp | 76.5%-33.3pp | 67.7%-24.5pp |
| Annual return | 35.41% | 18.89%+16.5pp | 29.42%+6.0pp | 35.65%-0.2pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,876 | $4,120+66.9% | $5,054+36.0% | $4,299+60.0% |
| Admin fee / account holder | $4,266 | $8,053-47.0% | $9,455-54.9% | $6,940-38.5% |