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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 | $14,975 | $70,486-78.8% | $100,528-85.1% | $79,852-81.2% |
| Participation rate | 58.3% | 73.6%-15.3pp | 79.4%-21.1pp | 69.6%-11.3pp |
| Annual return | 26.58% | 21.90%+4.7pp | 30.90%-4.3pp | 31.72%-5.1pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,605 | $5,182-49.7% | $6,271-58.5% | $3,740-30.4% |
| Admin fee / account holder | $922 | $4,480-79.4% | $8,084-88.6% | $5,306-82.6% |