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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 | $64,010-84.8% | $108,359-91.0% | $64,340-84.9% |
| Participation rate | 62.1% | 49.4%+12.7pp | 70.1%-8.0pp | 55.2%+6.8pp |
| Annual return | 18.44% | 19.74%-1.3pp | 36.89%-18.5pp | 24.14%-5.7pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $2,399-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,048 | $2,395-56.3% | $4,137-74.7% | $2,980-64.8% |
| Admin fee / account holder | $1,106 | $4,885-77.4% | $9,741-88.7% | $3,703-70.1% |