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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 | $11,655 | $71,534-83.7% | $98,462-88.2% | $71,529-83.7% |
| Participation rate | 45.8% | 72.7%-26.9pp | 75.2%-29.4pp | 67.9%-22.1pp |
| Annual return | 41.30% | 32.44%+8.9pp | 21.17%+20.1pp | 28.97%+12.3pp |
| Employer contribution / active EE | $0 | $2,399-100.0% | $3,049-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $1,990 | $4,109-51.6% | $4,738-58.0% | $4,291-53.6% |
| Admin fee / account holder | $1,299 | $1,677-22.5% | $8,875-85.4% | $1,588-18.2% |