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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 | $9,077 | $81,476-88.9% | $102,383-91.1% | $80,925-88.8% |
| Participation rate | 56.1% | 66.8%-10.7pp | 74.5%-18.4pp | 67.7%-11.5pp |
| Annual return | 14.61% | 25.59%-11.0pp | 24.94%-10.3pp | 35.65%-21.0pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,594 | $3,871-33.0% | $5,060-48.7% | $4,299-39.7% |
| Admin fee / account holder | $543 | $6,717-91.9% | $8,391-93.5% | $6,940-92.2% |