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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 | $20,772 | $91,439-77.3% | $135,974-84.7% | $71,511-71.0% |
| Participation rate | 58.1% | 75.7%-17.6pp | 81.9%-23.8pp | 67.9%-9.8pp |
| Annual return | 25.99% | 29.90%-3.9pp | 68.30%-42.3pp | 28.86%-2.9pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $7,296 | $7,093+2.9% | $7,760-6.0% | $4,291+70.0% |
| Admin fee / account holder | $2,731 | $1,267+115.6% | $10,767-74.6% | $1,588+72.0% |