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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 | $10,542 | $73,107-85.6% | $114,563-90.8% | $87,485-88.0% |
| Participation rate | 60.0% | 65.8%-5.8pp | 72.9%-12.9pp | 68.9%-8.9pp |
| Annual return | 14.09% | 19.47%-5.4pp | 241.09%-227.0pp | 26.06%-12.0pp |
| Employer contribution / active EE | $0 | $1,881-100.0% | $2,592-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,275 | $3,144+36.0% | $4,142+3.2% | $4,2740% |
| Admin fee / account holder | $5,062 | $5,770-12.3% | $7,623-33.6% | $7,775-34.9% |