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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 | $20,782 | $81,487-74.5% | $102,412-79.7% | $80,935-74.3% |
| Participation rate | 65.4% | 66.8%-1.5pp | 74.5%-9.1pp | 67.7%-2.3pp |
| Annual return | 11.97% | 25.60%-13.6pp | 24.94%-13.0pp | 35.66%-23.7pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,179 | $3,871-43.7% | $5,060-56.9% | $4,299-49.3% |
| Admin fee / account holder | $2,185 | $6,717-67.5% | $8,388-74.0% | $6,924-68.4% |