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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 | $80,332-68.6% | $107,187-76.5% | $64,097-60.7% |
| Participation rate | 26.5% | 54.4%-28.0pp | 75.0%-48.6pp | 55.2%-28.7pp |
| Annual return | 33.68% | 24.26%+9.4pp | 204.55%-170.9pp | 34.64%-1.0pp |
| Employer contribution / active EE | $0 | $2,501-100.0% | $3,782-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,542 | $3,109-50.4% | $5,096-69.7% | $3,080-49.9% |
| Admin fee / account holder | $4,059 | $4,314-5.9% | $9,162-55.7% | $3,454+17.5% |