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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 | $9,711 | $65,246-85.1% | $98,716-90.2% | $67,986-85.7% |
| Participation rate | 62.1% | 51.4%+10.7pp | 69.3%-7.2pp | 57.2%+4.9pp |
| Annual return | 18.44% | 20.58%-2.1pp | 31.81%-13.4pp | 31.67%-13.2pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,048 | $2,594-59.6% | $4,048-74.1% | $3,358-68.8% |
| Admin fee / account holder | $1,106 | $4,561-75.8% | $8,703-87.3% | $3,203-65.5% |