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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 | $14,417 | $64,501-77.6% | $108,753-86.7% | $65,306-77.9% |
| Participation rate | 42.3% | 50.8%-8.5pp | 71.1%-28.7pp | 57.7%-15.3pp |
| Annual return | 14.89% | 21.09%-6.2pp | 37.47%-22.6pp | 21.94%-7.1pp |
| Employer contribution / active EE | $0 | $1,069-100.0% | $2,427-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,367 | $2,401-43.1% | $4,115-66.8% | $2,959-53.8% |
| Admin fee / account holder | $603 | $4,971-87.9% | $10,320-94.2% | $3,480-82.7% |