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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 | $13,066 | $90,400-85.5% | $186,193-93.0% | $87,485-85.1% |
| Participation rate | 56.9% | 66.2%-9.3pp | 77.1%-20.2pp | 68.9%-12.0pp |
| Annual return | 22.55% | 22.15%+0.4pp | 78.03%-55.5pp | 26.06%-3.5pp |
| Employer contribution / active EE | $22 | $2,170-99.0% | $3,918-99.4% | $2,596-99.2% |
| Participant deferral / active EE | $3,622 | $4,330-16.3% | $6,513-44.4% | $4,274-15.2% |
| Admin fee / account holder | $954 | $8,673-89.0% | $11,058-91.4% | $7,775-87.7% |