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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 | $24,879 | $72,492-65.7% | $87,104-71.4% | $72,975-65.9% |
| Participation rate | 47.8% | 72.8%-25.0pp | 76.9%-29.0pp | 69.5%-21.7pp |
| Annual return | 21.07% | 24.46%-3.4pp | 28.19%-7.1pp | 81.01%-59.9pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,483 | $3,270-54.6% | $4,048-63.4% | $3,608-58.9% |
| Admin fee / account holder | $1,240 | $5,055-75.5% | $7,491-83.5% | $5,124-75.8% |