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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 | $14,919 | $67,602-77.9% | $82,312-81.9% | $70,126-78.7% |
| Participation rate | 37.8% | 72.8%-34.9pp | 76.9%-39.1pp | 69.5%-31.7pp |
| Annual return | 64.93% | 21.57%+43.4pp | 25.88%+39.1pp | 73.15%-8.2pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $5,670 | $2,987+89.8% | $3,706+53.0% | $3,332+70.2% |
| Admin fee / account holder | $3,492 | $4,512-22.6% | $5,608-37.7% | $4,645-24.8% |