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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 | $12,070 | $56,287-78.6% | $80,977-85.1% | $62,881-80.8% |
| Participation rate | 59.2% | 68.9%-9.8pp | 75.8%-16.6pp | 69.3%-10.1pp |
| Annual return | 7.58% | 22.13%-14.5pp | 17.11%-9.5pp | 20.14%-12.6pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,874 | $4,196-55.3% | $5,696-67.1% | $3,203-41.5% |
| Admin fee / account holder | $308 | $3,742-91.8% | $5,517-94.4% | $4,296-92.8% |