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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 | $25,289 | $78,425-67.8% | $95,956-73.6% | $79,858-68.3% |
| Participation rate | 44.9% | 73.5%-28.6pp | 77.1%-32.2pp | 69.6%-24.7pp |
| Annual return | 30.84% | 19.37%+11.5pp | 91.63%-60.8pp | 31.72%-0.9pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $6,441 | $3,440+87.3% | $4,167+54.6% | $3,740+72.2% |
| Admin fee / account holder | $5,291 | $5,622-5.9% | $6,797-22.1% | $5,306-0.3% |