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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 | $69,444-81.4% | $92,985-86.1% | $87,485-85.3% |
| Participation rate | 61.7% | 63.3%-1.6pp | 69.5%-7.8pp | 68.9%-7.2pp |
| Annual return | 66.86% | 23.85%+43.0pp | 27.99%+38.9pp | 26.06%+40.8pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,718 | $3,364+10.5% | $4,377-15.0% | $4,274-13.0% |
| Admin fee / account holder | $723 | $6,137-88.2% | $9,463-92.4% | $7,775-90.7% |