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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 | $22,152 | $56,047-60.5% | $98,716-77.6% | $79,634-72.2% |
| Participation rate | 14.6% | 54.6%-40.0pp | 69.3%-54.7pp | 62.5%-47.9pp |
| Annual return | 104.76% | 17.58%+87.2pp | 31.81%+73.0pp | 36.46%+68.3pp |
| Employer contribution / active EE | $0 | $1,237-100.0% | $2,279-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $733 | $2,469-70.3% | $4,048-81.9% | $3,835-80.9% |
| Admin fee / account holder | $2,483 | $1,512+64.2% | $8,703-71.5% | $1,002+147.8% |