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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 | $5,209 | $57,590-91.0% | $86,233-94.0% | $82,448-93.7% |
| Participation rate | 67.3% | 57.9%+9.4pp | 69.0%-1.7pp | 68.1%-0.8pp |
| Annual return | 44.63% | 22.41%+22.2pp | 61.39%-16.8pp | 41.64%+3.0pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,233 | $3,080-27.5% | $4,559-51.0% | $4,139-46.1% |
| Admin fee / account holder | $1,020 | $4,730-78.4% | $8,342-87.8% | $7,234-85.9% |