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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 | $15,661 | $132,099-88.1% | $115,599-86.5% | $138,895-88.7% |
| Participation rate | 38.9% | 77.9%-39.0pp | 74.3%-35.4pp | 79.9%-41.0pp |
| Annual return | 19.93% | 176.76%-156.8pp | 111.10%-91.2pp | 145.39%-125.5pp |
| Employer contribution / active EE | $0 | $3,416-100.0% | $2,955-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,450 | $5,617-56.4% | $4,889-49.9% | $6,396-61.7% |
| Admin fee / account holder | $421 | $15,650-97.3% | $12,841-96.7% | $12,562-96.6% |