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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 | $76,642-93.5% | $146,866-96.6% | $65,306-92.4% |
| Participation rate | 59.9% | 61.2%-1.4pp | 82.5%-22.6pp | 57.7%+2.2pp |
| Annual return | 29.75% | 33.40%-3.6pp | 102.85%-73.1pp | 21.94%+7.8pp |
| Employer contribution / active EE | $0 | $2,621-100.0% | $4,425-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,349 | $4,864-72.3% | $7,759-82.6% | $2,959-54.4% |
| Admin fee / account holder | $361 | $3,960-90.9% | $13,620-97.4% | $3,480-89.6% |