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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 | $14,417 | $63,456-77.3% | $100,712-85.7% | $64,097-77.5% |
| Participation rate | 42.3% | 49.7%-7.3pp | 69.3%-26.9pp | 55.2%-12.9pp |
| Annual return | 14.89% | 19.65%-4.8pp | 33.27%-18.4pp | 34.64%-19.8pp |
| Employer contribution / active EE | $0 | $1,003-100.0% | $2,313-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,367 | $2,463-44.5% | $4,085-66.5% | $3,080-55.6% |
| Admin fee / account holder | $603 | $4,808-87.5% | $9,256-93.5% | $3,454-82.5% |