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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 | $8,002 | $49,249-83.8% | $70,476-88.6% | $79,852-90.0% |
| Participation rate | 66.0% | 69.2%-3.2pp | 75.1%-9.1pp | 69.6%-3.6pp |
| Annual return | 106.32% | 30.09%+76.2pp | 109.12%-2.8pp | 31.72%+74.6pp |
| Employer contribution / active EE | $0 | $2,100-100.0% | $2,738-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,806 | $2,769-34.8% | $3,710-51.3% | $3,740-51.7% |
| Admin fee / account holder | $725 | $2,878-74.8% | $3,847-81.2% | $5,306-86.3% |