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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 | $27,268 | $86,294-68.4% | $111,303-75.5% | $85,856-68.2% |
| Participation rate | 59.2% | 73.3%-14.2pp | 77.3%-18.2pp | 69.3%-10.2pp |
| Annual return | 16.40% | 19.99%-3.6pp | 54.66%-38.3pp | 318.58%-302.2pp |
| Employer contribution / active EE | $0 | $2,043-100.0% | $2,731-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,033 | $3,641-16.7% | $4,487-32.4% | $3,952-23.3% |
| Admin fee / account holder | $1,861 | $8,189-77.3% | $7,966-76.6% | $6,261-70.3% |