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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 | $28,474 | $67,638-57.9% | $133,346-78.6% | $69,733-59.2% |
| Participation rate | 52.4% | 54.3%-1.9pp | 72.8%-20.5pp | 62.5%-10.1pp |
| Annual return | 11.27% | 13.38%-2.1pp | 36.85%-25.6pp | 15.22%-4.0pp |
| Employer contribution / active EE | $0 | $1,177-100.0% | $2,853-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $2,993 | $2,567+16.6% | $4,332-30.9% | $3,054-2.0% |
| Admin fee / account holder | $1,401 | $4,814-70.9% | $14,264-90.2% | $3,102-54.8% |