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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 | $6,364 | $59,440-89.3% | $78,004-91.8% | $82,637-92.3% |
| Participation rate | 57.6% | 62.8%-5.2pp | 69.4%-11.9pp | 68.1%-10.5pp |
| Annual return | 15.70% | 40.24%-24.5pp | 31.07%-15.4pp | 53.51%-37.8pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,936 | $3,138-38.3% | $4,092-52.7% | $4,126-53.1% |
| Admin fee / account holder | $1,561 | $5,504-71.6% | $7,578-79.4% | $7,339-78.7% |