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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 | $14,924 | $77,574-80.8% | $108,753-86.3% | $86,983-82.8% |
| Participation rate | 55.1% | 62.3%-7.2pp | 71.1%-16.0pp | 69.5%-14.4pp |
| Annual return | 48.88% | 18.42%+30.5pp | 37.47%+11.4pp | 25.83%+23.1pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,261 | $3,128-27.7% | $4,115-45.0% | $4,194-46.1% |
| Admin fee / account holder | $3,071 | $6,529-53.0% | $10,320-70.2% | $7,856-60.9% |