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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 | $15,828 | $76,551-79.3% | $123,894-87.2% | $62,881-74.8% |
| Participation rate | 36.0% | 73.0%-37.0pp | 81.4%-45.4pp | 69.3%-33.3pp |
| Annual return | 356.86% | 18.68%+338.2pp | 47.52%+309.3pp | 20.14%+336.7pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,290 | $4,840+9.3% | $5,984-11.6% | $3,203+65.2% |
| Admin fee / account holder | $900 | $4,826-81.3% | $8,357-89.2% | $4,296-79.0% |