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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 | $69,590-88.8% | $136,867-94.3% | $94,015-91.7% |
| Participation rate | 39.5% | 66.3%-26.8pp | 74.5%-35.1pp | 70.8%-31.3pp |
| Annual return | 19.80% | 19.62%+0.2pp | 42.97%-23.2pp | 17.84%+2.0pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,547-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,202 | $3,437-35.9% | $4,924-55.3% | $4,249-48.2% |
| Admin fee / account holder | $835 | $8,912-90.6% | $10,340-91.9% | $8,951-90.7% |