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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 | $17,209 | $72,273-76.2% | $101,275-83.0% | $79,856-78.4% |
| Participation rate | 29.2% | 68.5%-39.3pp | 75.8%-46.6pp | 69.6%-40.5pp |
| Annual return | 15.53% | 22.30%-6.8pp | 46.48%-31.0pp | 31.71%-16.2pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,418 | $3,282-56.8% | $4,371-67.6% | $3,741-62.1% |
| Admin fee / account holder | $766 | $4,401-82.6% | $5,948-87.1% | $5,306-85.6% |