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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 | $3,677 | $58,099-93.7% | $76,872-95.2% | $75,173-95.1% |
| Participation rate | 42.2% | 63.9%-21.7pp | 69.6%-27.4pp | 67.2%-25.0pp |
| Annual return | 28.46% | 26.71%+1.8pp | 37.90%-9.4pp | 160.72%-132.3pp |
| Employer contribution / active EE | $0 | $1,996-100.0% | $2,533-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,679 | $2,999-44.0% | $3,832-56.2% | $4,126-59.3% |
| Admin fee / account holder | $699 | $4,778-85.4% | $5,476-87.2% | $5,651-87.6% |