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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 | $18,839 | $106,749-82.4% | $145,433-87.0% | $82,448-77.2% |
| Participation rate | 47.6% | 75.6%-28.0pp | 82.1%-34.5pp | 68.1%-20.4pp |
| Annual return | 35.42% | 27.59%+7.8pp | 66.58%-31.2pp | 41.64%-6.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,333 | $6,519-48.9% | $7,897-57.8% | $4,139-19.5% |
| Admin fee / account holder | $782 | $8,390-90.7% | $13,129-94.0% | $7,234-89.2% |