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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 | $2,875 | $73,787-96.1% | $98,716-97.1% | $82,448-96.5% |
| Participation rate | 68.0% | 61.4%+6.6pp | 69.3%-1.3pp | 68.1%-0.1pp |
| Annual return | 21.97% | 18.57%+3.4pp | 31.81%-9.8pp | 41.64%-19.7pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,496 | $3,081-51.4% | $4,048-63.0% | $4,139-63.9% |
| Admin fee / account holder | $463 | $6,500-92.9% | $8,703-94.7% | $7,234-93.6% |