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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 | $26,652 | $138,393-80.7% | $184,256-85.5% | $80,959-67.1% |
| Participation rate | 60.5% | 83.9%-23.4pp | 86.8%-26.4pp | 67.7%-7.2pp |
| Annual return | 89.68% | 20.01%+69.7pp | 28.85%+60.8pp | 35.67%+54.0pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,105 | $7,076+0.4% | $9,133-22.2% | $4,300+65.2% |
| Admin fee / account holder | $4,973 | $10,489-52.6% | $13,899-64.2% | $6,925-28.2% |