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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 | $31,478 | $100,060-68.5% | $149,721-79.0% | $70,126-55.1% |
| Participation rate | 30.0% | 83.6%-53.6pp | 87.1%-57.1pp | 69.5%-39.5pp |
| Annual return | 22.15% | 27.46%-5.3pp | 1501.67%-1479.5pp | 73.15%-51.0pp |
| Employer contribution / active EE | $0 | $3,661-100.0% | $5,444-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,460 | $4,982-30.5% | $6,568-47.3% | $3,332+3.8% |
| Admin fee / account holder | $3,321 | $8,285-59.9% | $11,282-70.6% | $4,645-28.5% |