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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 | $54,117-62.1% | $135,768-84.9% | $65,306-68.6% |
| Participation rate | 29.5% | 48.7%-19.2pp | 71.1%-41.6pp | 57.7%-28.2pp |
| Annual return | 19.38% | 21.76%-2.4pp | 526.10%-506.7pp | 21.94%-2.6pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $3,394-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,495 | $2,395-37.6% | $3,977-62.4% | $2,959-49.5% |
| Admin fee / account holder | $1,128 | $4,541-75.2% | $7,048-84.0% | $3,480-67.6% |