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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 | $12,385 | $89,652-86.2% | $141,197-91.2% | $65,186-81.0% |
| Participation rate | 53.2% | 74.7%-21.5pp | 82.5%-29.3pp | 70.2%-17.0pp |
| Annual return | 54.45% | 32.79%+21.7pp | 71.41%-17.0pp | 29.39%+25.1pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $4,109 | $5,691-27.8% | $6,710-38.8% | $3,514+16.9% |
| Admin fee / account holder | $703 | $569+23.7% | $10,265-93.1% | $847-17.0% |