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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 | $9,129 | $61,356-85.1% | $149,696-93.9% | $71,511-87.2% |
| Participation rate | 41.2% | 62.5%-21.3pp | 78.8%-37.5pp | 67.9%-26.7pp |
| Annual return | 42.88% | 35.86%+7.0pp | 134.46%-91.6pp | 28.86%+14.0pp |
| Employer contribution / active EE | $0 | $2,382-100.0% | $4,821-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $2,452 | $2,920-16.0% | $5,682-56.8% | $4,291-42.9% |
| Admin fee / account holder | $602 | $1,263-52.4% | $13,212-95.4% | $1,588-62.1% |