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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 | $17,168 | $73,787-76.7% | $98,716-82.6% | $82,448-79.2% |
| Participation rate | 27.5% | 61.4%-33.9pp | 69.3%-41.8pp | 68.1%-40.6pp |
| Annual return | 26.31% | 18.57%+7.7pp | 31.81%-5.5pp | 41.64%-15.3pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,203 | $3,081-28.5% | $4,048-45.6% | $4,139-46.8% |
| Admin fee / account holder | $938 | $6,500-85.6% | $8,703-89.2% | $7,234-87.0% |