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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 | $12,888 | $72,471-82.2% | $94,215-86.3% | $86,983-85.2% |
| Participation rate | 61.7% | 63.9%-2.2pp | 70.0%-8.3pp | 69.5%-7.8pp |
| Annual return | 66.86% | 26.44%+40.4pp | 28.22%+38.6pp | 25.83%+41.0pp |
| Employer contribution / active EE | $0 | $1,936-100.0% | $2,675-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,718 | $3,397+9.5% | $4,276-13.0% | $4,194-11.3% |
| Admin fee / account holder | $723 | $6,468-88.8% | $10,216-92.9% | $7,856-90.8% |