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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 | $12,676 | $78,015-83.8% | $178,505-92.9% | $80,959-84.3% |
| Participation rate | 56.0% | 65.7%-9.7pp | 77.1%-21.1pp | 67.7%-11.7pp |
| Annual return | 10.87% | 18.10%-7.2pp | 27.16%-16.3pp | 35.67%-24.8pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,955-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,131 | $4,406-51.6% | $6,280-66.1% | $4,300-50.4% |
| Admin fee / account holder | $1,433 | $7,160-80.0% | $10,428-86.3% | $6,925-79.3% |