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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 | $19,184 | $77,472-75.2% | $100,415-80.9% | $80,959-76.3% |
| Participation rate | 63.0% | 76.9%-14.0pp | 81.5%-18.6pp | 67.7%-4.7pp |
| Annual return | 20.90% | 37.26%-16.4pp | 49.47%-28.6pp | 35.67%-14.8pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,549 | $6,818-18.6% | $8,091-31.4% | $4,300+29.0% |
| Admin fee / account holder | $1,010 | $5,885-82.8% | $7,906-87.2% | $6,925-85.4% |