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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 | $15,581 | $78,707-80.2% | $117,861-86.8% | $70,126-77.8% |
| Participation rate | 67.1% | 73.2%-6.1pp | 79.7%-12.6pp | 69.5%-2.5pp |
| Annual return | 101.30% | 23.30%+78.0pp | 335.11%-233.8pp | 73.15%+28.1pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,519 | $3,297+6.7% | $4,482-21.5% | $3,332+5.6% |
| Admin fee / account holder | $2,381 | $5,066-53.0% | $8,021-70.3% | $4,645-48.8% |