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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 | $11,539 | $77,896-85.2% | $134,172-91.4% | $82,448-86.0% |
| Participation rate | 61.3% | 62.8%-1.5pp | 72.5%-11.2pp | 68.1%-6.8pp |
| Annual return | 14.45% | 18.21%-3.8pp | 25.30%-10.9pp | 41.64%-27.2pp |
| Employer contribution / active EE | $0 | $2,159-100.0% | $3,420-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,314 | $3,162-58.5% | $4,690-72.0% | $4,139-68.3% |
| Admin fee / account holder | $1,222 | $6,336-80.7% | $12,016-89.8% | $7,234-83.1% |