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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 | $22,178 | $77,472-71.4% | $100,415-77.9% | $80,959-72.6% |
| Participation rate | 39.3% | 76.9%-37.7pp | 81.5%-42.2pp | 67.7%-28.4pp |
| Annual return | 110.80% | 37.26%+73.5pp | 49.47%+61.3pp | 35.67%+75.1pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,359 | $6,818-21.4% | $8,091-33.8% | $4,300+24.6% |
| Admin fee / account holder | $3,008 | $5,885-48.9% | $7,906-62.0% | $6,925-56.6% |