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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 | $22,126 | $77,472-71.4% | $100,392-78.0% | $80,935-72.7% |
| Participation rate | 60.9% | 76.9%-16.1pp | 81.5%-20.6pp | 67.7%-6.8pp |
| Annual return | 19.49% | 37.26%-17.8pp | 49.45%-30.0pp | 35.66%-16.2pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $8,676 | $6,818+27.3% | $8,090+7.3% | $4,299+101.8% |
| Admin fee / account holder | $4,033 | $5,885-31.5% | $7,904-49.0% | $6,924-41.8% |