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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 | $25,194 | $83,369-69.8% | $105,223-76.1% | $67,986-62.9% |
| Participation rate | 26.5% | 56.3%-29.8pp | 75.0%-48.6pp | 57.2%-30.8pp |
| Annual return | 33.68% | 24.64%+9.0pp | 180.65%-147.0pp | 31.67%+2.0pp |
| Employer contribution / active EE | $0 | $2,541-100.0% | $3,689-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,542 | $3,295-53.2% | $5,072-69.6% | $3,358-54.1% |
| Admin fee / account holder | $4,059 | $4,073-0.3% | $8,859-54.2% | $3,203+26.7% |