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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 | $19,106 | $78,707-75.7% | $117,861-83.8% | $70,126-72.8% |
| Participation rate | 25.3% | 73.2%-47.9pp | 79.7%-54.4pp | 69.5%-44.3pp |
| Annual return | 25.43% | 23.30%+2.1pp | 335.11%-309.7pp | 73.15%-47.7pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,577 | $3,297-52.2% | $4,482-64.8% | $3,332-52.7% |
| Admin fee / account holder | $1,744 | $5,066-65.6% | $8,021-78.3% | $4,645-62.5% |