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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 | $21,675 | $86,949-75.1% | $102,460-78.8% | $80,959-73.2% |
| Participation rate | 28.8% | 72.4%-43.5pp | 76.5%-47.7pp | 67.7%-38.8pp |
| Annual return | 39.48% | 18.89%+20.6pp | 29.47%+10.0pp | 35.67%+3.8pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,059 | $4,121-50.0% | $5,056-59.3% | $4,300-52.1% |
| Admin fee / account holder | $727 | $8,048-91.0% | $9,460-92.3% | $6,925-89.5% |