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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 | $13,421 | $78,423-82.9% | $95,964-86.0% | $79,856-83.2% |
| Participation rate | 55.7% | 73.5%-17.8pp | 77.1%-21.4pp | 69.6%-13.9pp |
| Annual return | 27.41% | 19.37%+8.0pp | 91.64%-64.2pp | 31.71%-4.3pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,356 | $3,440-2.4% | $4,167-19.4% | $3,741-10.3% |
| Admin fee / account holder | $826 | $5,622-85.3% | $6,797-87.8% | $5,306-84.4% |