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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 | $7,587 | $57,073-86.7% | $85,126-91.1% | $80,925-90.6% |
| Participation rate | 36.8% | 56.4%-19.6pp | 67.5%-30.7pp | 67.7%-30.8pp |
| Annual return | 12.30% | 21.69%-9.4pp | 66.63%-54.3pp | 35.65%-23.3pp |
| Employer contribution / active EE | $0 | $1,801-100.0% | $2,731-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,122 | $3,113-64.0% | $4,523-75.2% | $4,299-73.9% |
| Admin fee / account holder | $3,112 | $4,988-37.6% | $6,160-49.5% | $6,940-55.2% |