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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 | $3,381 | $57,305-94.1% | $86,640-96.1% | $75,173-95.5% |
| Participation rate | 69.1% | 63.2%+5.9pp | 71.7%-2.6pp | 67.2%+1.9pp |
| Annual return | 15.89% | 2674.24%-2658.3pp | 592.52%-576.6pp | 160.72%-144.8pp |
| Employer contribution / active EE | $0 | $2,316-100.0% | $3,024-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,865 | $3,320-43.8% | $4,438-58.0% | $4,126-54.8% |
| Admin fee / account holder | $518 | $4,116-87.4% | $5,616-90.8% | $5,651-90.8% |