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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 | $64,920-88.0% | $103,693-92.5% | $86,983-91.1% |
| Participation rate | 39.5% | 63.6%-24.1pp | 72.6%-33.2pp | 69.5%-30.1pp |
| Annual return | 19.80% | 30.29%-10.5pp | 47.61%-27.8pp | 25.83%-6.0pp |
| Employer contribution / active EE | $0 | $2,141-100.0% | $2,920-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,202 | $3,241-32.1% | $4,579-51.9% | $4,194-47.5% |
| Admin fee / account holder | $835 | $6,191-86.5% | $7,858-89.4% | $7,856-89.4% |