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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 | $11,902 | $183,978-93.5% | $162,171-92.7% | $152,885-92.2% |
| Participation rate | 52.4% | 88.5%-36.1pp | 87.6%-35.2pp | 82.5%-30.1pp |
| Annual return | 37.09% | 150.78%-113.7pp | 115.60%-78.5pp | 345.39%-308.3pp |
| Employer contribution / active EE | $0 | $6,370-100.0% | $5,613-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $3,602 | $8,033-55.2% | $7,297-50.6% | $5,851-38.4% |
| Admin fee / account holder | $739 | $13,122-94.4% | $10,843-93.2% | $11,598-93.6% |