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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 | $4,399 | $81,331-94.6% | $155,534-97.2% | $80,935-94.6% |
| Participation rate | 65.4% | 66.3%-0.9pp | 78.2%-12.8pp | 67.7%-2.3pp |
| Annual return | 13.26% | 33.37%-20.1pp | 64.92%-51.7pp | 35.66%-22.4pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,194 | $3,454-36.5% | $5,630-61.0% | $4,299-49.0% |
| Admin fee / account holder | $539 | $7,999-93.3% | $15,900-96.6% | $6,924-92.2% |