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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 | $7,764 | $61,125-87.3% | $94,057-91.7% | $87,485-91.1% |
| Participation rate | 39.5% | 64.1%-24.6pp | 73.3%-33.9pp | 68.9%-29.5pp |
| Annual return | 19.80% | 35.20%-15.4pp | 480.62%-460.8pp | 26.06%-6.3pp |
| Employer contribution / active EE | $0 | $2,136-100.0% | $2,933-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,202 | $3,260-32.5% | $4,709-53.2% | $4,274-48.5% |
| Admin fee / account holder | $835 | $5,629-85.2% | $7,244-88.5% | $7,775-89.3% |