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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 | $28,931 | $109,359-73.5% | $162,177-82.2% | $72,975-60.4% |
| Participation rate | 56.3% | 84.3%-28.0pp | 87.6%-31.3pp | 69.5%-13.2pp |
| Annual return | 25.83% | 25.46%+0.4pp | 115.60%-89.8pp | 81.01%-55.2pp |
| Employer contribution / active EE | $0 | $3,907-100.0% | $5,613-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,102 | $5,481-6.9% | $7,297-30.1% | $3,608+41.4% |
| Admin fee / account holder | $412 | $7,972-94.8% | $10,843-96.2% | $5,124-92.0% |