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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 | $19,261 | $102,393-81.2% | $147,041-86.9% | $80,911-76.2% |
| Participation rate | 64.8% | 75.9%-11.0pp | 82.2%-17.4pp | 67.6%-2.8pp |
| Annual return | 14.37% | 134.95%-120.6pp | 419.21%-404.8pp | 35.63%-21.3pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,294 | $6,647+9.7% | $8,071-9.6% | $4,297+69.7% |
| Admin fee / account holder | $3,621 | $7,943-54.4% | $13,006-72.2% | $6,935-47.8% |