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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 | $18,225 | $138,386-86.8% | $184,260-90.1% | $80,935-77.5% |
| Participation rate | 59.5% | 83.9%-24.4pp | 86.8%-27.3pp | 67.7%-8.1pp |
| Annual return | 27.91% | 20.02%+7.9pp | 28.84%-0.9pp | 35.66%-7.7pp |
| Employer contribution / active EE | $0 | $4,851-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,591 | $7,076+7.3% | $9,133-16.9% | $4,299+76.6% |
| Admin fee / account holder | $3,676 | $10,489-65.0% | $13,898-73.6% | $6,924-46.9% |