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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 | $5,668 | $84,236-93.3% | $170,435-96.7% | $70,126-91.9% |
| Participation rate | 3.4% | 70.8%-67.4pp | 83.6%-80.1pp | 69.5%-66.1pp |
| Annual return | 27.52% | 23.06%+4.5pp | 205.94%-178.4pp | 73.15%-45.6pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,397 | $3,086-54.7% | $4,939-71.7% | $3,332-58.1% |
| Admin fee / account holder | $1,436 | $5,698-74.8% | $13,881-89.7% | $4,645-69.1% |