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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 | $35,911 | $143,969-75.1% | $199,883-82.0% | $82,637-56.5% |
| Participation rate | 37.2% | 84.1%-46.9pp | 86.8%-49.6pp | 68.1%-30.8pp |
| Annual return | 56.00% | 25.67%+30.3pp | 43.81%+12.2pp | 53.51%+2.5pp |
| Employer contribution / active EE | $0 | $4,632-100.0% | $6,261-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,669 | $6,937-47.1% | $9,138-59.9% | $4,126-11.1% |
| Admin fee / account holder | $7,110 | $14,597-51.3% | $17,268-58.8% | $7,339-3.1% |