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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 | $11,116 | $72,027-84.6% | $185,861-94.0% | $79,856-86.1% |
| Participation rate | 62.7% | 65.8%-3.0pp | 78.0%-15.3pp | 69.6%-6.9pp |
| Annual return | 23.71% | 23.13%+0.6pp | 35.96%-12.3pp | 31.71%-8.0pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,088-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,222 | $3,780-41.2% | $5,634-60.6% | $3,741-40.6% |
| Admin fee / account holder | $539 | $4,513-88.1% | $9,503-94.3% | $5,306-89.8% |