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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 | $22,666 | $80,674-71.9% | $119,126-81.0% | $64,340-64.8% |
| Participation rate | 67.0% | 55.2%+11.8pp | 75.8%-8.8pp | 55.2%+11.8pp |
| Annual return | 36.02% | 26.86%+9.2pp | 282.11%-246.1pp | 24.14%+11.9pp |
| Employer contribution / active EE | $0 | $2,564-100.0% | $4,034-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $4,065 | $3,053+33.1% | $5,318-23.6% | $2,980+36.4% |
| Admin fee / account holder | $518 | $4,559-88.6% | $10,693-95.2% | $3,703-86.0% |