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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 | $20,799 | $98,766-78.9% | $149,730-86.1% | $79,852-74.0% |
| Participation rate | 47.5% | 75.8%-28.3pp | 82.5%-35.0pp | 69.6%-22.1pp |
| Annual return | 26.41% | 27.43%-1.0pp | 276.70%-250.3pp | 31.72%-5.3pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,856 | $5,681-49.7% | $6,843-58.3% | $3,740-23.6% |
| Admin fee / account holder | $2,070 | $6,052-65.8% | $9,310-77.8% | $5,306-61.0% |