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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 | $16,893 | $75,058-77.5% | $152,301-88.9% | $64,340-73.7% |
| Participation rate | 30.9% | 60.9%-30.0pp | 82.4%-51.6pp | 55.2%-24.4pp |
| Annual return | 28.70% | 29.93%-1.2pp | 80.50%-51.8pp | 24.14%+4.6pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,504 | $5,041-70.2% | $8,004-81.2% | $2,980-49.6% |
| Admin fee / account holder | $953 | $4,050-76.5% | $14,398-93.4% | $3,703-74.3% |