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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 | $9,521 | $75,183-87.3% | $123,894-92.3% | $55,167-82.7% |
| Participation rate | 35.6% | 72.8%-37.2pp | 81.4%-45.8pp | 69.0%-33.4pp |
| Annual return | 23.48% | 19.01%+4.5pp | 47.52%-24.0pp | 169.23%-145.8pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $3,712 | $5,084-27.0% | $5,984-38.0% | $3,054+21.5% |
| Admin fee / account holder | $1,660 | $663+150.6% | $8,357-80.1% | $504+229.5% |