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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 | $81,403-85.8% | $147,027-92.2% | $87,485-86.8% |
| Participation rate | 61.3% | 63.4%-2.1pp | 73.7%-12.5pp | 68.9%-7.6pp |
| Annual return | 14.45% | 16.51%-2.1pp | 20.23%-5.8pp | 26.06%-11.6pp |
| Employer contribution / active EE | $0 | $2,205-100.0% | $3,626-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,314 | $3,315-60.4% | $4,933-73.4% | $4,274-69.3% |
| Admin fee / account holder | $1,222 | $6,755-81.9% | $12,223-90.0% | $7,775-84.3% |