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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 | $6,803 | $81,334-91.6% | $113,397-94.0% | $64,097-89.4% |
| Participation rate | 28.4% | 65.6%-37.2pp | 76.5%-48.1pp | 55.2%-26.8pp |
| Annual return | 23.41% | 32.50%-9.1pp | 23.20%+0.2pp | 34.64%-11.2pp |
| Employer contribution / active EE | $0 | $2,077-100.0% | $2,977-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,661 | $3,795-56.2% | $5,076-67.3% | $3,080-46.1% |
| Admin fee / account holder | $2,610 | $4,208-38.0% | $11,957-78.2% | $3,454-24.4% |