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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 | $24,507 | $136,307-82.0% | $177,840-86.2% | $73,493-66.7% |
| Participation rate | 62.0% | 86.1%-24.1pp | 87.7%-25.7pp | 70.7%-8.7pp |
| Annual return | 66.56% | 18.68%+47.9pp | 48.32%+18.2pp | 28.51%+38.0pp |
| Employer contribution / active EE | $0 | $3,712-100.0% | $5,919-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $6,230 | $5,829+6.9% | $7,714-19.2% | $3,740+66.6% |
| Admin fee / account holder | $2,724 | $596+357.5% | $12,431-78.1% | $513+431.0% |