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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 | $76,834-77.7% | $108,359-84.2% | $87,485-80.4% |
| Participation rate | 27.5% | 61.7%-34.2pp | 70.1%-42.6pp | 68.9%-41.4pp |
| Annual return | 26.31% | 19.09%+7.2pp | 36.89%-10.6pp | 26.06%+0.2pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,203 | $3,100-29.0% | $4,137-46.8% | $4,274-48.5% |
| Admin fee / account holder | $938 | $6,537-85.7% | $9,741-90.4% | $7,775-87.9% |