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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 | $26,172 | $58,408-55.2% | $180,320-85.5% | $69,733-62.5% |
| Participation rate | 24.8% | 54.2%-29.4pp | 71.5%-46.7pp | 62.5%-37.6pp |
| Annual return | 17.49% | 15.02%+2.5pp | 778.54%-761.0pp | 15.22%+2.3pp |
| Employer contribution / active EE | $0 | $1,159-100.0% | $4,108-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $2,013 | $2,723-26.1% | $4,304-53.2% | $3,054-34.1% |
| Admin fee / account holder | $2,132 | $4,205-49.3% | $10,000-78.7% | $3,102-31.3% |