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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 | $4,956 | $82,133-94.0% | $147,318-96.6% | $64,097-92.3% |
| Participation rate | 59.9% | 62.3%-2.4pp | 82.1%-22.2pp | 55.2%+4.7pp |
| Annual return | 29.75% | 78.78%-49.0pp | 70.43%-40.7pp | 34.64%-4.9pp |
| Employer contribution / active EE | $0 | $2,872-100.0% | $4,593-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,349 | $5,407-75.1% | $7,906-82.9% | $3,080-56.2% |
| Admin fee / account holder | $361 | $3,730-90.3% | $13,708-97.4% | $3,454-89.6% |