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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 | $7,962 | $69,977-88.6% | $108,582-92.7% | $62,881-87.3% |
| Participation rate | 65.8% | 72.9%-7.1pp | 79.6%-13.8pp | 69.3%-3.6pp |
| Annual return | 51.41% | 10.73%+40.7pp | -51.70%+103.1pp | 20.14%+31.3pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,839 | $3,165-10.3% | $4,311-34.2% | $3,203-11.4% |
| Admin fee / account holder | $829 | $5,076-83.7% | $7,645-89.2% | $4,296-80.7% |