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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 | $6,729 | $79,955-91.6% | $98,450-93.2% | $75,181-91.0% |
| Participation rate | 44.6% | 70.4%-25.7pp | 75.2%-30.5pp | 67.2%-22.6pp |
| Annual return | 72.83% | 19.75%+53.1pp | 21.16%+51.7pp | 160.69%-87.9pp |
| Employer contribution / active EE | $0 | $2,264-100.0% | $3,049-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,462 | $3,752-34.4% | $4,739-48.0% | $4,126-40.3% |
| Admin fee / account holder | $3,138 | $6,841-54.1% | $8,961-65.0% | $5,650-44.5% |