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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 | $16,557 | $72,027-77.0% | $185,835-91.1% | $79,852-79.3% |
| Participation rate | 60.9% | 65.8%-4.9pp | 78.0%-17.2pp | 69.6%-8.8pp |
| Annual return | 79.33% | 23.13%+56.2pp | 35.96%+43.4pp | 31.72%+47.6pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,087-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,952 | $3,780+4.6% | $5,633-29.8% | $3,740+5.7% |
| Admin fee / account holder | $556 | $4,513-87.7% | $9,502-94.1% | $5,306-89.5% |