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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 | $146,267-75.4% | $197,124-81.8% | $82,448-56.4% |
| Participation rate | 37.2% | 84.0%-46.8pp | 86.7%-49.5pp | 68.1%-30.9pp |
| Annual return | 56.00% | 29.61%+26.4pp | 44.34%+11.7pp | 41.64%+14.4pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,669 | $7,035-47.8% | $9,135-59.8% | $4,139-11.4% |
| Admin fee / account holder | $7,110 | $14,422-50.7% | $16,298-56.4% | $7,234-1.7% |