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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 | $10,676 | $77,492-86.2% | $100,398-89.4% | $80,911-86.8% |
| Participation rate | 63.9% | 76.9%-13.1pp | 81.5%-17.6pp | 67.6%-3.8pp |
| Annual return | 13.22% | 37.23%-24.0pp | 49.32%-36.1pp | 35.63%-22.4pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,946-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,149 | $6,817-39.1% | $8,084-48.7% | $4,297-3.5% |
| Admin fee / account holder | $835 | $5,892-85.8% | $7,893-89.4% | $6,935-88.0% |