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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 | $21,211 | $138,385-84.7% | $184,243-88.5% | $80,925-73.8% |
| Participation rate | 58.1% | 83.9%-25.8pp | 86.8%-28.8pp | 67.7%-9.6pp |
| Annual return | 13.96% | 20.02%-6.1pp | 28.82%-14.9pp | 35.65%-21.7pp |
| Employer contribution / active EE | $0 | $4,851-100.0% | $6,427-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,849 | $7,075-31.5% | $9,132-46.9% | $4,299+12.8% |
| Admin fee / account holder | $1,123 | $10,489-89.3% | $13,914-91.9% | $6,940-83.8% |