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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 | $16,942 | $77,816-78.2% | $123,552-86.3% | $64,173-73.6% |
| Participation rate | 44.1% | 74.7%-30.6pp | 82.3%-38.2pp | 69.6%-25.5pp |
| Annual return | 39.68% | 12.49%+27.2pp | 119.20%-79.5pp | 7.63%+32.0pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,589 | $5,240-31.5% | $6,426-44.1% | $3,470+3.4% |
| Admin fee / account holder | $4,109 | $5,519-25.5% | $9,285-55.7% | $4,887-15.9% |