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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 | $14,265 | $146,267-90.2% | $197,124-92.8% | $82,448-82.7% |
| Participation rate | 69.8% | 84.0%-14.2pp | 86.7%-16.9pp | 68.1%+1.7pp |
| Annual return | 18.70% | 29.61%-10.9pp | 44.34%-25.6pp | 41.64%-22.9pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,681 | $7,035-47.7% | $9,135-59.7% | $4,139-11.1% |
| Admin fee / account holder | $1,287 | $14,422-91.1% | $16,298-92.1% | $7,234-82.2% |