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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 | $10,843 | $77,472-86.0% | $100,415-89.2% | $80,959-86.6% |
| Participation rate | 43.7% | 76.9%-33.3pp | 81.5%-37.9pp | 67.7%-24.0pp |
| Annual return | 22.51% | 37.26%-14.7pp | 49.47%-27.0pp | 35.67%-13.2pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,247 | $6,818-52.4% | $8,091-59.9% | $4,300-24.5% |
| Admin fee / account holder | $855 | $5,885-85.5% | $7,906-89.2% | $6,925-87.7% |