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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 | $3,110 | $45,343-93.1% | $150,298-97.9% | $67,986-95.4% |
| Participation rate | 59.3% | 51.9%+7.4pp | 77.8%-18.5pp | 57.2%+2.1pp |
| Annual return | 31.79% | 33.28%-1.5pp | 62.79%-31.0pp | 31.67%+0.1pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,663 | $2,055-19.1% | $5,453-69.5% | $3,358-50.5% |
| Admin fee / account holder | $480 | $2,250-78.6% | $14,116-96.6% | $3,203-85.0% |