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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 | $26,516 | $91,559-71.0% | $133,978-80.2% | $79,856-66.8% |
| Participation rate | 63.5% | 73.3%-9.8pp | 79.8%-16.3pp | 69.6%-6.1pp |
| Annual return | 12.09% | 61.85%-49.8pp | 45.10%-33.0pp | 31.71%-19.6pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,893 | $3,734+31.0% | $5,047-3.1% | $3,741+30.8% |
| Admin fee / account holder | $2,079 | $6,321-67.1% | $8,930-76.7% | $5,306-60.8% |