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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 | $15,118 | $89,367-83.1% | $141,191-89.3% | $72,975-79.3% |
| Participation rate | 60.7% | 75.1%-14.5pp | 82.5%-21.8pp | 69.5%-8.8pp |
| Annual return | 106.33% | 111.87%-5.5pp | 71.41%+34.9pp | 81.01%+25.3pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,126 | $5,419-5.4% | $6,710-23.6% | $3,608+42.1% |
| Admin fee / account holder | $2,057 | $5,957-65.5% | $10,264-80.0% | $5,124-59.9% |