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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 | $6,752 | $51,083-86.8% | $70,548-90.4% | $71,495-90.6% |
| Participation rate | 30.4% | 59.4%-29.0pp | 68.3%-37.9pp | 67.9%-37.5pp |
| Annual return | 25.43% | 42.64%-17.2pp | 32.78%-7.4pp | 28.85%-3.4pp |
| Employer contribution / active EE | $0 | $1,791-100.0% | $2,975-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,382 | $3,028-54.3% | $4,567-69.7% | $4,291-67.8% |
| Admin fee / account holder | $836 | $1,995-58.1% | $6,424-87.0% | $1,588-47.4% |