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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 | $19,485 | $79,045-75.3% | $100,378-80.6% | $74,429-73.8% |
| Participation rate | 48.4% | 79.4%-31.0pp | 81.5%-33.1pp | 67.2%-18.8pp |
| Annual return | 20.90% | 20.61%+0.3pp | 49.41%-28.5pp | 1368.38%-1347.5pp |
| Employer contribution / active EE | $0 | $3,015-100.0% | $3,942-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $4,919 | $7,751-36.5% | $8,087-39.2% | $4,348+13.1% |
| Admin fee / account holder | $923 | $1,335-30.9% | $7,899-88.3% | $1,944-52.5% |