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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 | $16,918 | $123,793-86.3% | $177,840-90.5% | $79,852-78.8% |
| Participation rate | 61.7% | 84.7%-23.0pp | 87.7%-26.0pp | 69.6%-7.9pp |
| Annual return | 29.53% | 22.82%+6.7pp | 48.32%-18.8pp | 31.72%-2.2pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,711 | $5,956-20.9% | $7,714-38.9% | $3,740+25.9% |
| Admin fee / account holder | $553 | $7,243-92.4% | $12,431-95.6% | $5,306-89.6% |