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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 | $9,372 | $43,496-78.5% | $161,489-94.2% | $64,340-85.4% |
| Participation rate | 29.5% | 53.5%-24.0pp | 78.7%-49.2pp | 55.2%-25.8pp |
| Annual return | 12.88% | 20.76%-7.9pp | 89.72%-76.8pp | 24.14%-11.3pp |
| Employer contribution / active EE | $0 | $1,431-100.0% | $4,268-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,312 | $1,996-34.3% | $5,630-76.7% | $2,980-56.0% |
| Admin fee / account holder | $3,615 | $2,330+55.1% | $16,006-77.4% | $3,703-2.4% |