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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 | $13,247 | $101,302-86.9% | $149,600-91.1% | $82,637-84.0% |
| Participation rate | 66.7% | 72.5%-5.8pp | 77.2%-10.5pp | 68.1%-1.4pp |
| Annual return | 45.38% | 21.39%+24.0pp | 129.59%-84.2pp | 53.51%-8.1pp |
| Employer contribution / active EE | $0 | $3,099-100.0% | $4,193-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $7,415 | $5,589+32.7% | $7,203+3.0% | $4,126+79.7% |
| Admin fee / account holder | $4,801 | $8,449-43.2% | $13,963-65.6% | $7,339-34.6% |