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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 | $14,396 | $93,598-84.6% | $135,974-89.4% | $75,173-80.8% |
| Participation rate | 60.5% | 75.2%-14.7pp | 81.9%-21.5pp | 67.2%-6.7pp |
| Annual return | 72.36% | 30.89%+41.5pp | 68.30%+4.1pp | 160.72%-88.4pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,256 | $6,405-33.6% | $7,760-45.2% | $4,126+3.1% |
| Admin fee / account holder | $317 | $6,978-95.5% | $10,767-97.1% | $5,651-94.4% |