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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 | $20,507 | $52,581-61.0% | $130,788-84.3% | $64,340-68.1% |
| Participation rate | 29.5% | 46.5%-17.1pp | 70.1%-40.6pp | 55.2%-25.8pp |
| Annual return | 19.38% | 20.39%-1.0pp | 386.44%-367.1pp | 24.14%-4.8pp |
| Employer contribution / active EE | $0 | $1,031-100.0% | $3,558-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,495 | $2,200-32.1% | $4,137-63.9% | $2,980-49.8% |
| Admin fee / account holder | $1,128 | $4,583-75.4% | $6,673-83.1% | $3,703-69.5% |