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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 | $10,685 | $78,670-86.4% | $109,173-90.2% | $85,847-87.6% |
| Participation rate | 35.5% | 68.3%-32.8pp | 75.9%-40.4pp | 69.3%-33.8pp |
| Annual return | 11.38% | 25.09%-13.7pp | 25.75%-14.4pp | 318.61%-307.2pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,577 | $3,467+3.2% | $4,654-23.1% | $3,952-9.5% |
| Admin fee / account holder | $886 | $5,469-83.8% | $6,755-86.9% | $6,261-85.8% |