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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 | $11,587 | $77,962-85.1% | $178,540-93.5% | $80,935-85.7% |
| Participation rate | 34.6% | 65.7%-31.1pp | 77.1%-42.5pp | 67.7%-33.0pp |
| Annual return | 24.50% | 18.10%+6.4pp | 27.15%-2.6pp | 35.66%-11.2pp |
| Employer contribution / active EE | $0 | $2,280-100.0% | $3,953-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,547 | $4,404-64.9% | $6,281-75.4% | $4,299-64.0% |
| Admin fee / account holder | $786 | $7,156-89.0% | $10,424-92.5% | $6,924-88.6% |