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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 | $3,215 | $68,880-95.3% | $120,580-97.3% | $80,959-96.0% |
| Participation rate | 64.3% | 61.7%+2.6pp | 72.0%-7.7pp | 67.7%-3.4pp |
| Annual return | 16.22% | 23.68%-7.5pp | 107.48%-91.3pp | 35.67%-19.4pp |
| Employer contribution / active EE | $0 | $2,066-100.0% | $3,469-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,644 | $3,191-17.1% | $4,995-47.1% | $4,300-38.5% |
| Admin fee / account holder | $376 | $5,785-93.5% | $9,418-96.0% | $6,925-94.6% |