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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 | $13,036 | $72,471-82.0% | $94,215-86.2% | $86,983-85.0% |
| Participation rate | 36.0% | 63.9%-27.9pp | 70.0%-34.0pp | 69.5%-33.5pp |
| Annual return | 15.79% | 26.44%-10.7pp | 28.22%-12.4pp | 25.83%-10.0pp |
| Employer contribution / active EE | $0 | $1,936-100.0% | $2,675-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,370 | $3,397-59.7% | $4,276-68.0% | $4,194-67.3% |
| Admin fee / account holder | $608 | $6,468-90.6% | $10,216-94.1% | $7,856-92.3% |