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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 | $7,876 | $61,125-87.1% | $94,057-91.6% | $87,485-91.0% |
| Participation rate | 35.4% | 64.1%-28.7pp | 73.3%-38.0pp | 68.9%-33.5pp |
| Annual return | 32.36% | 35.20%-2.8pp | 480.62%-448.3pp | 26.06%+6.3pp |
| Employer contribution / active EE | $0 | $2,136-100.0% | $2,933-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,566 | $3,260-52.0% | $4,709-66.7% | $4,274-63.4% |
| Admin fee / account holder | $663 | $5,629-88.2% | $7,244-90.8% | $7,775-91.5% |